BrylaneHome Platinum Credit Card Current Credit Card Agreements

Comenity Bank's filed agreement for BrylaneHome Platinum Credit Card Current Credit Card Agreements discloses a 35.99% purchase APR and a $35.88 annual fee. Against the 4,587 filings on this site, that rate lands around the 97th percentile.

What the document actually states

Comenity Bank filed this agreement for BrylaneHome Platinum Credit Card Current Credit Card Agreements with the Consumer Financial Protection Bureau. The filing runs 23 pages.

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

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

How the purchase rate compares

Set beside the rest of the index, the purchase APR of 35.99% lands at the 97th percentile; it is about as high as anything filed here.

Translating the rate into money

Put $3,000 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $1,299.

A card priced at the corpus median of 21.99% would charge roughly $738 on that balance. This one charges about $561 more per year.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

Where the fees are

The annual fee is $35.88, charged whether or not the card is used. Against the filings here that disclose a fee, that sits at roughly the 84th percentile.

One way to size that fee: at the card's own purchase rate of 35.99%, $35.88 is roughly the interest a balance of about $100 would generate in a year. The fee is a fixed cost that behaves like perpetual interest on that much debt.

Default pricing

On the fee side, a late payment can cost up to $41, which is around the 89th percentile here.

The no-interest path

A minimum interest charge of $3 applies in any cycle where interest is due, which makes very small revolving balances disproportionately expensive.

Inside Comenity Bank's filed lineup

45 separate Comenity Bank filings appear in the corpus. Across that lineup purchase rates span 30.24% to 35.99%; this filing's 35.99% sits above 7 of the comparable ones.

Among the issuer's other filings that disclose a fee, 22 of 41 come in below this card's $35.88.

The limits of this document

The disclosure parsed here does not state anything about cash advances, balance transfer terms, a foreign transaction fee and a grace period. Those gaps are gaps in what could be read from the filing, and the PDF may well address them in prose the rate table does not capture.

More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.

Reading the agreement yourself

This summary stands or falls on the linked PDF — 23 pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

The defining fact about this filing is the purchase rate: at 35.99% it is in the expensive band of this corpus, and that cost only materialises for someone who revolves a balance. Against that sits the $35.88 annual fee, which is unavoidable once the account is open. Given the parsing confidence on this filing, read the agreement itself before treating any of these figures as settled.