Cardholder Agreement Base with Fee Chart

On the record for Cardholder Agreement Base with Fee Chart 090123: a purchase APR of 16.15%–21%, no annual fee and a 21% penalty rate, filed by Cadence Bank. That purchase rate ranks near the 46th percentile across this corpus of 4,587 filings.

What the agreement puts on the record

Cardholder Agreement Base with Fee Chart 090123 is one of the agreements Cadence Bank has on file with the CFPB. The filing runs nine pages.

Terms captured from the document include a purchase rate, a cash advance rate, a balance transfer rate, a penalty rate and an annual fee line.

The purchase rate in context

Rather than a single purchase rate, the document gives a band — 16.15% at the bottom, 21% at the top, 4.85 points wide. The agreement discloses the range without disclosing how an account is placed within it.

Read against the index, the low end ranks around the 39th percentile and the high end around the 46th — the band straddles a wide stretch of the market this corpus describes.

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.

The cost of carrying a balance

A $1,500 balance left untouched for twelve months accrues about $350 in interest at this purchase rate.

The corpus median purchase rate is 21.99%, which on the same $1,500 would cost about $369 a year. This filing saves roughly $18 annually against that benchmark.

Month to month it reads as about $26.11 per cycle on that balance.

That maths assumes a static balance and nothing else — no payments, no additional purchases, no fees folded in.

What the card costs before you borrow

No annual fee appears in the filing, in line with the roughly 75% of disclosing agreements in this index that charge nothing to hold the card.

Cash advances carry a cash advance fee of $10 or 3% of the advance, whichever is greater and a cash advance APR of 21%. $333 is the crossover point where the percentage overtakes the $10 minimum.

Balance transfers cost $10 or 3% of the amount transferred, whichever is greater up front and then accrue at 21%. On $2,000 that fee is about $60 before any interest is charged.

Foreign transactions attract 2%. On $5,000 of overseas spending that is $100, charged on top of whatever exchange rate applies.

When a payment is late

A penalty APR of 21% sits in this filing, applied when the account falls into default as the agreement defines it. Against the 794 filings here that disclose one, that is roughly the 29th percentile.

On the fee side, a late payment can cost up to $35, which is around the 54th percentile here.

The grace period

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.

What the filing does not tell you

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

Against the rest of Cadence Bank's filings

Cadence Bank has 3 agreements indexed on this site.

Where the authority sits

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

In short

The pricing here is middling by the standards of the index — 21% on purchases is near enough to typical. Because there is no annual fee, everything depends on the revolving behaviour: used as a payment instrument and cleared monthly, this agreement costs nothing.