Sally BeautyΓäó Rewards Credit Card Current Credit Card Agreements

The Sally BeautyΓäó Rewards Credit Card Current Credit Card Agreements filing from Comenity Capital Bank sets out a 35.99% purchase APR and a 39.99% penalty rate. Against the 4,587 filings on this site, that rate lands around the 97th percentile.

What this filing discloses

What follows is drawn entirely from Comenity Capital Bank's CFPB filing for Sally BeautyΓäó Rewards Credit Card Current Credit Card Agreements. The filing runs 15 pages.

The filing is explicit about a purchase rate, a penalty rate and a late payment maximum. It is silent on a cash advance rate, a balance transfer rate and an annual fee line.

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

The purchase rate in context

35.99% puts the purchase APR near the 97th percentile across 2,280 agreements, so it is about as high as anything filed here.

What a balance actually costs

At the disclosed purchase APR, $1,200 revolving for a full year costs something like $520 in interest.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $295. The gap — roughly $224 a year on $1,200 — is the price of this particular filing over a typical one.

Small balances do not get a proportionally small bill — the agreement imposes a $3 minimum interest charge in any month where interest applies.

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.

When a payment is late

The agreement discloses penalty pricing of 39.99% — about the 86th percentile of the 794 penalty rates recorded across this index.

Measured in money, moving from 35.99% to 39.99% costs an extra $58 or so annually on $1,000 — a far larger number than any single late fee.

Late payments are capped at $41 under this filing, about the 89th percentile of late fee maximums in the corpus.

Paying in full

Where interest applies at all, the filing bills at least $3. On a tiny balance that floor can dwarf the rate itself.

Against the rest of Comenity Capital Bank's filings

Comenity Capital Bank has 100 agreements indexed on this site. Across that lineup purchase rates span 14.74% to 35.99%; this filing's 35.99% sits above 47 of the comparable ones.

What you cannot learn from the filing

This page cannot tell you anything about cash advances, balance transfer terms, an annual fee and a foreign transaction fee, 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.

Where the authority sits

The filed PDF is linked from this page and runs 15 pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

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