Zolve Signature Cardholder Agreement

On the record for Zolve Signature Cardholder Agreement: a purchase APR of 19.5%–35.5% and a $99 annual fee, filed by Continental Bank. The purchase rate sits at roughly the 88th percentile of the 4,587 agreements indexed here.

The disclosed terms

This page covers the agreement Continental Bank filed for Zolve Signature Cardholder Agreement. It is issued on the Mastercard network and the filing runs 21 pages.

The disclosure covers a purchase rate, an annual fee line and a grace period. It is silent on a cash advance rate, a balance transfer rate and a penalty rate.

Where the purchase APR sits

Purchases price between 19.5% and 35.5% under this filing. The 16-point gap between the two is material, and nothing in the agreement indicates where a given account would land.

The floor of that band sits at about the 60th percentile of filed purchase rates; the ceiling sits at about the 88th. In corpus terms the same card can be cheap or expensive depending on how it is priced.

The agreement labels the purchase rate variable, so the quoted figure reflects the index at the time of filing rather than a locked-in price.

What a balance actually costs

Put $1,000 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $426.

On a median-priced agreement from this index (21.99%) the same $1,000 would run about $246 a year, so this card costs in the region of $180 more annually for the identical balance.

Broken down to a single thirty-day cycle, the same balance accrues roughly $29.59.

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

Where the fees are

The annual fee is $99, charged whether or not the card is used. Against the filings here that disclose a fee, that sits at roughly the 93rd percentile.

For scale, $99 is approximately what $279 of revolving balance would cost in interest over twelve months at this card's 35.5% rate.

Grace period and minimum charge

The filing gives 25 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. That matches the 25-day median across the corpus almost exactly.

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 anything about cash advances, balance transfer terms, a foreign transaction fee and penalty pricing, because the filing's disclosure table as read does not contain them.

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.

Inside Continental Bank's filed lineup

There are 10 filings from Continental Bank in this index. Their disclosed purchase rates run from 34.25% to 35.99%, and this one at 35.5% is more expensive than 4 of them.

Its $99 annual fee is higher than 5 of the 9 sibling filings that state one.

Where the authority sits

Everything here is a reading of the filed agreement, 21 pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

The defining fact about this filing is the purchase rate: at 35.5% it is in the expensive band of this corpus, and that cost only materialises for someone who revolves a balance. Note that the $99 annual fee falls due whether the card is used or not.