Zable MasterCard Cardholder Agreement

On the record for Zable MasterCard Cardholder Agreement: a purchase APR of 26.49%–35.49% and no annual fee, filed by Continental Bank. Against the 4,587 filings on this site, that rate lands around the 88th percentile.

On the face of the filing

Continental Bank filed this agreement for Zable MasterCard Cardholder Agreement with the Consumer Financial Protection Bureau. It is issued on the Mastercard network and the filing runs 13 pages.

The disclosure covers a purchase rate, a cash advance rate, an annual fee line and a grace period. A balance transfer rate, a penalty rate and a late payment maximum are not stated.

The purchase rate in context

Rather than a single purchase rate, the document gives a band — 26.49% at the bottom, 35.49% at the top, 9 points wide. The agreement discloses the range without disclosing how an account is placed within it.

Those two numbers occupy very different places in the corpus: roughly the 70th percentile at the bottom and the 88th at the top.

Because the rate is variable, the figure quoted is tied to an index and will drift with it. Nothing here is a fixed commitment.

Translating the rate into money

A $1,500 balance left untouched for twelve months accrues about $639 in interest at this purchase rate.

On a median-priced agreement from this index (21.99%) the same $1,500 would run about $369 a year, so this card costs in the region of $270 more annually for the identical balance.

Per statement cycle that is on the order of $44.38 on $1,500, which is the number that actually shows up on a bill.

That maths assumes a static balance and nothing else — no payments, no additional purchases, no fees folded in.

Fees, and what triggers them

No annual fee appears in the filing, in line with the roughly 75% of disclosing agreements in this index that charge nothing to hold the card.

Taking cash against the card means a cash advance APR of 26.49%. 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 no-interest path

Anyone clearing the statement balance inside 22 days pays no purchase interest at all under this filing. That is shorter than the 25-day corpus median.

What the filing does not tell you

This page cannot tell you balance transfer terms, a foreign transaction fee and penalty pricing, 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.

Inside Continental Bank's filed lineup

This is one of 10 Continental Bank agreements collected here. Across that lineup purchase rates span 34.25% to 35.99%; this filing's 35.49% sits above 3 of the comparable ones.

On fees, 4 of the 9 sibling filings that disclose an annual fee also set it at zero — this one is among them.

The document itself

This summary stands or falls on the linked PDF — 13 pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

35.49% on purchases is the number that dominates this agreement. Paid in full each cycle it never applies; carried, it is among the dearer prices in this index. The absence of an annual fee means the rate is the only thing that can make this card expensive.