Visa Agreement (for in branch offers)

The COL00099 Visa Agreement (for in branch offers) filing from Chase Bank USA sets out no annual fee, a 14.99% introductory rate and a 29.99% penalty rate.

What this filing discloses

The document behind this page is Chase Bank USA's filed agreement for COL00099 Visa Agreement (for in branch offers). The filing runs 22 pages, and It is issued on the Visa network.

The disclosure covers 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.

These figures carry medium extraction confidence — they are reproduced as read from the filing, which remains the authority.

Introductory pricing

An introductory rate of 14.99% appears without a disclosed duration.

Among the 763 filings here that disclose an introductory rate, 14.99% sits at about the 94th percentile.

Fees, and what triggers them

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.

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. 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.

Balance transfers cost $5 or 5% of the amount transferred, whichever is greater up front and then accrue at 14.99%. Shifting $2,000 across attracts something like $100 in fees on day one.

Foreign transactions attract 3%. On $5,000 of overseas spending that is $150, charged on top of whatever exchange rate applies.

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

The downside terms

If the account defaults, the filing permits a rate of 29.99%. Among disclosing agreements here that ranks near the 61st percentile.

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

Paying in full

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

The limits of this document

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.

The issuer's other agreements

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

The document itself

This summary stands or falls on the linked PDF — 22 pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

All of this rests on figures read from the filing with less than full confidence, which is reason enough to check the document before relying on any of it.