1 9 26 AMP Level B Cardholder Agreement

The 1 9 26 AMP Level B Cardholder Agreement filing from First International Bank and Trust sets out a 17.99% purchase APR, no annual fee and a 2.9% introductory rate. The purchase rate sits at roughly the 28th percentile of the 4,587 agreements indexed here.

What the agreement puts on the record

This page covers the agreement First International Bank and Trust filed for 1 9 26 AMP Level B Cardholder Agreement. 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. It is silent on a penalty rate.

Introductory pricing

A promotional rate of 2.9% applies for 12 months under this agreement — lower than the standard rate, but not free.

Among the 763 filings here that disclose an introductory rate, 2.9% sits at about the 73rd percentile.

What matters more than the promotion is the rate waiting behind it: 17.99%. A $1,000 balance that survives the promotional window costs roughly $197 a year from that point on.

The purchase rate in context

Ranked against the corpus, this purchase APR — 17.99% — sits at approximately the 28th percentile and is on the cheaper side of the median.

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

Carry $4,000 on this card for a year without paying it down and the purchase rate alone generates roughly $788 in interest.

Priced at the median of 21.99%, that balance would generate about $983 in a year — so this agreement comes in around $195 cheaper for the same debt.

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

The fee structure

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 fee of $5 or 3% of the advance, whichever is greater and a cash advance APR of 20.99%. The premium over purchases is 3 percentage points. $167 is the crossover point where the percentage overtakes the $5 minimum. The grace period described below generally does not extend to cash advances, so interest on them usually begins immediately.

Balance transfers cost $5 or 3% of the amount transferred, whichever is greater up front and then accrue at 17.99%. On $5,000 that fee is about $150 before any interest is charged.

Foreign transactions attract 1%. On $5,000 of overseas spending that is $50, charged on top of whatever exchange rate applies.

The no-interest path

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.

The downside terms

Late payments are capped at $35 under this filing, about the 54th percentile of late fee maximums in the corpus.

The issuer's other agreements

16 separate First International Bank and Trust filings appear in the corpus. Across that lineup purchase rates span 9.99% to 27.99%; this filing's 17.99% sits above 5 of the comparable ones.

What you cannot learn from the filing

Absent from the captured terms: 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.

Where the authority sits

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

At 17.99% 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.