Business Rewards Credit Card Pricing Schedule and Agreement

Dart Bank, the's filed agreement for Business Rewards Credit Card Pricing Schedule and Agreement discloses a purchase APR of 15%–19%, no annual fee and a 23% penalty rate. The purchase rate sits at roughly the 40th percentile of the 4,587 agreements indexed here.

On the face of the filing

Dart Bank, the filed this agreement for Business Rewards Credit Card Pricing Schedule and Agreement with the Consumer Financial Protection Bureau. The filing runs six pages.

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

The purchase APR against the corpus

Purchases price between 15% and 19% under this filing. The 4-point gap between the two is material, and nothing in the agreement indicates where a given account would land.

Those two numbers occupy very different places in the corpus: roughly the 34th percentile at the bottom and the 40th at the top.

The filing marks this rate as variable, which means it moves with the index the agreement names rather than staying where it is quoted today.

What the rate means in dollars

Put $4,000 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $837.

Priced at the median of 21.99%, that balance would generate about $983 in a year — so this agreement comes in around $147 cheaper for the same debt.

Broken down to a single thirty-day cycle, the same balance accrues roughly $62.94.

Small balances do not get a proportionally small bill — the agreement imposes a $2 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.

What the card costs before you borrow

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.

Cash advances carry a cash advance fee of $10 or 5% of the advance, whichever is greater and a cash advance APR of 15%. 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 filing discloses a 15% balance transfer rate without an accompanying fee figure.

Default pricing

A penalty APR of 23% sits in this filing, applied when the account falls into default as the agreement defines it. Against the 794 filings here that disclose one, that is roughly the 34th percentile.

The jump from 19% to 23% is 4 percentage points, worth roughly $49 extra per year on $1,000 of balance.

The maximum late fee is $25 — roughly the 32nd percentile of the late fee ceilings disclosed across this index.

The no-interest path

25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. That matches the 25-day median across the corpus almost exactly.

Where interest applies at all, the filing bills at least $2. On a tiny balance that floor can dwarf the rate itself.

Inside Dart Bank, the's filed lineup

There are 5 filings from Dart Bank, the in this index. Their disclosed purchase rates run from 15.75% to 19.75%, and this one at 19% is more expensive than 3 of them.

What is outside the disclosure

Absent from the captured terms: a foreign transaction fee. The original document is the place to look for any of these.

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.

Go to the source

The original filing, 6 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

In short

19% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. Because there is no annual fee, everything depends on the revolving behaviour: used as a payment instrument and cleared monthly, this agreement costs nothing.