BILT Consumer Credit Card Agreement v(12 01 21) F

On the record for BILT Consumer Credit Card Agreement v(12 01 21) F: a purchase APR of 14.99%–27.99% and no annual fee, filed by Evolve Bank & Trust. The purchase rate sits at roughly the 67th percentile of the 4,587 agreements indexed here.

On the face of the filing

BILT Consumer Credit Card Agreement v(12 01 21) F is one of the agreements Evolve Bank & Trust has on file with the CFPB. The filing runs 12 pages.

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

How the purchase rate compares

Purchases price between 14.99% and 27.99% under this filing. The 13-point gap between the two is material, and nothing in the agreement indicates where a given account would land.

Read against the index, the low end ranks around the 33rd percentile and the high end around the 67th — the band straddles a wide stretch of the market this corpus describes.

Translating the rate into money

A $5,000 balance left untouched for twelve months accrues about $1,614 in interest at this purchase rate.

On a median-priced agreement from this index (21.99%) the same $5,000 would run about $1,229 a year, so this card costs in the region of $385 more annually for the identical balance.

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

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.

Taking cash against the card means a cash advance APR of 25%.

Foreign transactions carry no fee. Only about 22% of the filings here that disclose a foreign transaction fee set it at zero, so this is a genuine point of difference.

Grace period and minimum charge

Anyone clearing the statement balance inside 21 days pays no purchase interest at all under this filing. With a corpus median of 25 days, this window is narrower than the norm.

No minimum interest charge is imposed, so a cycle that accrues a few cents of interest is billed a few cents.

How it sits in the issuer's own range

There are 8 filings from Evolve Bank & Trust in this index. The issuer's own range is 0%–29.49%. At 27.99%, this agreement is dearer than 5 of its siblings.

What is outside the disclosure

This page cannot tell you balance transfer terms 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.

Go to the source

This summary stands or falls on the linked PDF — 12 pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

The pricing here is middling by the standards of the index — 27.99% on purchases is near enough to typical. Because there is no annual fee, everything depends on the revolving behaviour: used as a payment instrument and cleared monthly, this agreement costs nothing.