Visa Agreement

The COL00095 Visa Agreement filing from Chase Bank USA sets out no annual fee, a 9.99% introductory rate and a 29.99% penalty rate.

The disclosed terms

This page covers the agreement Chase Bank USA filed for COL00095 Visa Agreement. It is issued on the Visa network and the filing runs 22 pages.

On the record here: a cash advance rate, a balance transfer rate, a penalty rate, an annual fee line and a late payment maximum. A purchase rate and a grace period are not stated.

Confidence in the parse of this filing is moderate rather than high, so the figures below are best checked against the original.

What the promotional rate is worth

An introductory rate of 9.99% appears without a disclosed duration.

Among the 763 filings here that disclose an introductory rate, 9.99% sits at about the 92nd percentile.

Default pricing

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

$40 is the disclosed ceiling on a late payment fee, placing it near the 72nd percentile of the set.

Charges beyond interest

There is no annual fee. That is the common case in this corpus — about 75% of the filings that disclose an annual fee at all disclose it as $0 — so it is a baseline expectation rather than a distinguishing feature.

Cash advances carry a cash advance fee of $10 or 5% of the advance, whichever is greater and a cash advance APR of 24.99%. Cash advances also tend to fall outside any grace period, which means interest typically starts on day one rather than at the end of a billing cycle.

The transfer fee is $5 or 5% of the amount transferred, whichever is greater; transferred balances then run at 9.99%. Shifting $3,000 across attracts something like $150 in fees on day one.

The filing sets a 3% foreign transaction fee, which adds roughly $45 to $1,500 spent outside the United States.

That is at the high end of this corpus — around the 91st percentile of disclosed foreign transaction fees.

The grace period

No minimum interest charge is imposed, so a cycle that accrues a few cents of interest is billed a few cents.

Against the rest of Chase Bank USA's filings

25 separate Chase Bank USA filings appear in the corpus.

On fees, 5 of the 22 sibling filings that disclose an annual fee also set it at zero — this one is among them.

What is outside the disclosure

This page cannot tell you a purchase rate and a grace period, 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.

Go to the source

The original filing, 22 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

Given the parsing confidence on this filing, read the agreement itself before treating any of these figures as settled.