AOT TC for cfpb web 2025 1217 clean

On the record for AOT TC for cfpb web 2025 1217 clean: a 28.49% purchase APR and no annual fee, filed by Dsrm National Bank. The purchase rate sits at roughly the 68th percentile of the 4,587 agreements indexed here.

What this filing discloses

Dsrm National Bank filed this agreement for AOT TC for cfpb web 2025 1217 clean with the Consumer Financial Protection Bureau. The filing runs eight pages.

The filing is explicit about 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.

Pricing the purchase rate

Set beside the rest of the index, the purchase APR of 28.49% lands at the 68th percentile; it runs above the midpoint of the corpus.

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.

Translating the rate into money

The purchase rate turns a $5,000 revolving balance into roughly $1,647 of annual interest.

A card priced at the corpus median of 21.99% would charge roughly $1,229 on that balance. This one charges about $418 more per year.

Month to month it reads as about $118.42 per cycle on that balance.

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

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.

The grace period

The filing gives 21 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. With a corpus median of 25 days, this window is narrower than the norm.

The $2 minimum interest charge means the effective cost of carrying a very small balance is far higher than the quoted APR implies.

Inside Dsrm National Bank's filed lineup

This is one of 8 Dsrm National Bank agreements collected here. Across that lineup purchase rates span 27.24% to 29.99%; this filing's 28.49% sits above 1 of the comparable ones.

What you cannot learn from the filing

Absent from the captured terms: anything about cash advances, balance transfer terms, a foreign transaction fee and penalty pricing. The original document is the place to look for any of these.

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.

The document itself

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

In short

At 28.49% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers. The absence of an annual fee means the rate is the only thing that can make this card expensive.