Cardholder Agreement Platinum

Bankers' Bank of Kansas's filed agreement for Cardholder Agreement Platinum 1 31 2026 discloses a 14.67% purchase APR and no annual fee. The purchase rate sits at roughly the 13th percentile of the 4,587 agreements indexed here.

What the document actually states

This page covers the agreement Bankers' Bank of Kansas filed for Cardholder Agreement Platinum 1 31 2026. The filing runs two pages, and It is issued on the Visa network.

The disclosure covers a purchase rate, a cash advance rate, an annual fee line, a late payment maximum and a grace period. It is silent on a balance transfer rate, a penalty rate and a foreign transaction fee.

How the purchase rate compares

Set beside the rest of the index, the purchase APR of 14.67% lands at the 13th percentile; it reads as inexpensive against the rest of the filings.

The filing marks this rate as variable, which means it moves with the index the agreement names rather than staying where it is quoted today.

Translating the rate into money

Carry $1,000 on this card for a year without paying it down and the purchase rate alone generates roughly $158 in interest.

A typical filing in this index would charge about $246 on that balance; this one is roughly $88 a year below it.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

When a payment is late

$29 is the disclosed ceiling on a late payment fee, placing it near the 47th percentile of the set.

Where the fees are

The annual fee is $0. Roughly 75% of filings here that state a fee state zero, so the absence of one is unremarkable in this market.

Cash advances carry a cash advance APR of 21%. That is 6.33 points above the purchase rate.

Paying in full

The filing gives 25 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. That matches the 25-day median across the corpus almost exactly.

The limits of this document

The disclosure parsed here does not state a foreign transaction fee and penalty pricing. Those gaps are gaps in what could be read from the filing, and the PDF may well address them in prose the rate table does not capture.

An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.

Where the authority sits

The filed PDF is linked from this page and runs two pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

At 14.67% the purchase rate is low relative to this corpus, which is the clearest thing the filing has going for it on cost. With no annual fee, the cost of the account is entirely a function of whether a balance is carried.