Consumer Platinum Series DTC 2 2026

The Consumer Platinum Series DTC 2 2026 v17 filing from First Arkansas Bank and Trust sets out a purchase APR of 14.49%–23.49%, no annual fee and a 0% opening rate. Against the 4,587 filings on this site, that rate lands around the 55th percentile.

The disclosed terms

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

Terms captured from the document include 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.

Zero percent, and then what

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

Zero-percent openings appear in roughly 458 of the filings on this site, which puts this agreement in a sizeable minority rather than a class of its own.

Behind the promotion sits a 23.49% purchase rate. On $2,000 that is in the region of $529 a year once the window closes.

Pricing the purchase rate

This is a tiered agreement: the filing discloses a purchase APR anywhere from 14.49% to 23.49%, a spread of 9 percentage points. Which end of that band applies is set by the issuer at account opening and the filing does not say how.

Those two numbers occupy very different places in the corpus: roughly the 29th percentile at the bottom and the 55th at the top.

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.

The rate discussed in this section is the go-to rate — the one that applies once the promotional period described below has ended, not the promotional rate itself.

The cost of carrying a balance

The purchase rate turns a $5,000 revolving balance into roughly $1,323 of annual interest.

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 $94 more annually for the identical balance.

Broken down to a single thirty-day cycle, the same balance accrues roughly $97.44.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

Fees, and what triggers them

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.

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%. That is 4 points above the purchase rate. 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 19.49%. On $7,500 that fee is about $300 before any interest is charged.

Foreign transactions attract 3%. On $5,000 of overseas spending that is $150, charged on top of whatever exchange rate applies.

That is at the high end of this corpus — around the 91st percentile of disclosed foreign transaction fees.

Penalty pricing and late fees

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

Grace period and minimum charge

Purchases carry a 25-day grace period: pay the statement in full inside it and the purchase rate never applies. That matches the 25-day median across the corpus almost exactly.

Where interest applies at all, the filing bills at least $1. On a tiny balance that floor can dwarf the rate itself.

The issuer's other agreements

19 separate First Arkansas Bank and Trust filings appear in the corpus. The issuer's own range is 14.49%–20.99%. At 23.49%, this agreement is dearer than 12 of its siblings.

What is outside the disclosure

This page cannot tell you penalty pricing, because the filing's disclosure table as read does not contain it.

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.

Where the authority sits

This summary stands or falls on the linked PDF — four 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 — 23.49% on purchases is near enough to typical. With no annual fee, the cost of the account is entirely a function of whether a balance is carried.