Disclosed rates and fees
Every figure below was read from this issuer's filed agreement. Anything the filing does not state is left out of this table rather than shown as zero.
| Purchase APR | 29.9% |
|---|---|
| Cash advance APR | 29.9% |
| Annual fee | $350 |
| Cash advance fee | 2% of each |
| Grace period | 25 days |
| Minimum interest charge | $0 |
Analysis
The Shclr D 0525(afti) filing from Bryant State Bank sets out a 29.9% purchase APR and a $350 annual fee. Against the 4,587 filings on this site, that rate lands around the 72nd percentile.
On the face of the filing
Shclr D 0525(afti) is one of the agreements Bryant State Bank has on file with the CFPB. The filing runs five pages.
Terms captured from the document include a purchase rate, a cash advance rate, an annual fee line and a grace period. It is silent on a balance transfer rate, a penalty rate and a late payment maximum.
The purchase rate in context
Set beside the rest of the index, the purchase APR of 29.9% lands at the 72nd percentile; it is dearer than the typical filing.
What the rate means in dollars
Carry $5,000 on this card for a year without paying it down and the purchase rate alone generates roughly $1,742 in interest.
Against the corpus median of 21.99%, that is approximately $512 a year of extra interest on the same $5,000.
Month to month it reads as about $124.35 per cycle on that balance.
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.
Fees, and what triggers them
Holding the card costs $350 a year before any transaction takes place — about the 98th percentile among agreements in this index that state a fee.
For scale, $350 is approximately what $1,171 of revolving balance would cost in interest over twelve months at this card's 29.9% rate.
For cash advances the filing discloses a cash advance fee of 2% and a cash advance APR of 29.9%.
Paying in full
25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. That matches the 25-day median across the corpus almost exactly.
The filing sets the minimum interest charge at zero — small balances are not rounded up to a floor.
The limits of this document
This page cannot tell you balance transfer terms, a foreign transaction fee and penalty pricing, because the filing's disclosure table as read does not contain them.
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.
The document itself
This summary stands or falls on the linked PDF — five pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.
In short
29.9% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. Against that sits the $350 annual fee, which is unavoidable once the account is open.
The source document
This page is a reading of one document: the cardholder agreement Bryant State Bank filed with the Consumer Financial Protection Bureau. Where the two disagree, the filing is correct and this page is wrong.
Applications are handled by Bryant State Bank, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from Bryant State Bank
This is the only agreement from Bryant State Bank in the database with enough disclosed terms to publish. See the issuer's full filing list.
Where this card sits
Groups this agreement qualifies for, by its own disclosed terms:
Comparable cards from other issuers
Closest disclosed purchase APR among cards in the same groups.