Marriott Visa Signature Agreement

Chase Bank USA's filed agreement for COL00076 Marriott Visa Signature Agreement discloses a $95 annual fee and a 29.99% penalty rate.

What this filing discloses

This page covers the agreement Chase Bank USA filed for COL00076 Marriott Visa Signature Agreement. The filing runs 21 pages, and It is issued on the Visa network.

On the record here: a cash advance rate, a balance transfer rate, a penalty rate, an annual fee line and a late payment maximum. It is silent on a purchase rate and a grace period.

Parsing confidence here is medium, so treat the figures as indicative of the filing rather than a substitute for it.

Charges beyond interest

The annual fee is $95, charged whether or not the card is used. Against the filings here that disclose a fee, that sits at roughly the 92nd percentile.

The filing states the fee is waived for the first year, so the $95 is a second-year cost rather than an immediate one.

Taking cash against the card means a cash advance fee of $10 or 5% of the advance, whichever is greater and a cash advance APR of 24.99%. $200 is the crossover point where the percentage overtakes the $10 minimum. The grace period described below generally does not extend to cash advances, so interest on them usually begins immediately.

The transfer fee is $5 or 5% of the amount transferred, whichever is greater; transferred balances then run at 15.99%. On $3,000 that fee is about $150 before any interest is charged.

No foreign transaction fee is charged, which puts this filing in the roughly 22% of disclosing agreements here that do not take a cut of overseas spending.

The downside terms

The agreement discloses penalty pricing of 29.99% — about the 61st percentile of the 794 penalty rates recorded across this index.

On the fee side, a late payment can cost up to $40, which is around the 72nd percentile here.

The grace period

The filing sets the minimum interest charge at zero — small balances are not rounded up to a floor.

What the filing does not tell you

This page cannot tell you a purchase rate and a grace period, because the filing's disclosure table as read does not contain them.

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.

How it sits in the issuer's own range

There are 25 filings from Chase Bank USA in this index.

Its $95 annual fee is higher than 11 of the 22 sibling filings that state one.

Go to the source

The original filing, 21 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

In short

Note that the $95 annual fee falls due whether the card is used or not. Extraction confidence here is not high, so the conclusions above are provisional on the PDF agreeing with them.