Business WEP DTC 2 2026

On the record for Business WEP DTC 2 2026 v17: a 16.74% purchase APR, a $249 annual fee and a 0% opening rate, filed by First Arkansas Bank and Trust. That purchase rate ranks near the 19th percentile across this corpus of 4,587 filings.

On the face of the filing

The document behind this page is First Arkansas Bank and Trust's filed agreement for Business WEP DTC 2 2026 v17. The filing runs four pages.

The filing is explicit about a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. No figure appears for a penalty rate and a foreign transaction fee.

What the promotional rate is worth

A 0% promotional rate appears in the document without an accompanying term — the length of the window is not captured.

About 458 agreements in this corpus carry a zero-percent opening rate; this is one of them.

What matters more than the promotion is the rate waiting behind it: 16.74%. A $1,000 balance that survives the promotional window costs roughly $182 a year from that point on.

Pricing the purchase rate

Measured against every other filing on the site, 16.74% is about the 19th percentile for purchase APR; it falls in the low band of the corpus.

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.

This figure is the post-promotional rate. The introductory pricing is handled separately further down.

The cost of carrying a balance

Put $2,500 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $455.

Priced at the median of 21.99%, that balance would generate about $615 in a year — so this agreement comes in around $159 cheaper for the same debt.

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

Grace period and minimum charge

Anyone clearing the statement balance inside 25 days pays no purchase interest at all under this filing. That matches the 25-day median across the corpus almost exactly.

The $1 minimum interest charge means the effective cost of carrying a very small balance is far higher than the quoted APR implies.

Penalty pricing and late fees

The maximum late fee is $35 — roughly the 54th percentile of the late fee ceilings disclosed across this index.

The fee structure

Holding the card costs $249 a year before any transaction takes place — about the 97th percentile among agreements in this index that state a fee.

For scale, $249 is approximately what $1,487 of revolving balance would cost in interest over twelve months at this card's 16.74% rate.

Cash advances carry a cash advance fee of $10 or 5% of the advance, whichever is greater and a cash advance APR of 27.49%. Cash is therefore 10.75 points dearer than buying something with the card. The two halves of that fee cross at about $200: below it the flat $10 applies, above it the percentage does.

Moving a balance onto this card carries an up-front charge of $10 or 4% of the amount transferred, whichever is greater, with the transferred balance priced at 20.24%. Transferring $5,000 would cost roughly $200 at the door.

Against the rest of First Arkansas Bank and Trust's filings

This is one of 19 First Arkansas Bank and Trust agreements collected here. Their disclosed purchase rates run from 14.49% to 23.49%, and this one at 16.74% is more expensive than 5 of them.

Its $249 annual fee is higher than 8 of the 11 sibling filings that state one.

The limits of this document

This page cannot tell you a foreign transaction fee and penalty pricing, because the filing's disclosure table as read does not contain them.

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, 4 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

16.74% places this filing at the inexpensive end of the set, which is the headline here. Against that sits the $249 annual fee, which is unavoidable once the account is open.