1 9 26 GO Level C Cardholder Agreement

1 9 26 GO Level C Cardholder Agreement, as filed by First International Bank and Trust, carries a 22.99% purchase APR, no annual fee and a 2.9% introductory rate. Against the 4,587 filings on this site, that rate lands around the 54th percentile.

What the document actually states

First International Bank and Trust submitted the terms for 1 9 26 GO Level C Cardholder Agreement to the CFPB's agreement database; this is what they contain. 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.

The introductory rate

A promotional rate of 2.9% applies for six 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.

Behind the promotion sits a 22.99% purchase rate. On $2,500 that is in the region of $646 a year once the window closes.

The purchase APR against the corpus

Set beside the rest of the index, the purchase APR of 22.99% lands at the 54th percentile; it is about typical for the filings collected here.

Because the rate is variable, the figure quoted is tied to an index and will drift with it. Nothing here is a fixed commitment.

The arithmetic of revolving

Put $2,500 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $646.

On a median-priced agreement from this index (21.99%) the same $2,500 would run about $615 a year, so this card costs in the region of $31 more annually for the identical balance.

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

Fees, and what triggers them

The annual fee is $0. Roughly 75% of filings here that state a fee state zero, so the absence of one is unremarkable in this market.

Cash advances carry a cash advance fee of $5 or 3% of the advance, whichever is greater and a cash advance APR of 25.99%. The premium over purchases is 3 percentage points. $167 is the crossover point where the percentage overtakes the $5 minimum.

Balance transfers cost $5 or 3% of the amount transferred, whichever is greater up front and then accrue at 22.99%. Transferring $5,000 would cost roughly $150 at the door.

The filing sets a 1% foreign transaction fee, which adds roughly $10 to $1,000 spent outside the United States.

Penalty pricing and late fees

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

Paying in full

Purchases carry a 25-day grace period: pay the statement in full inside it and the purchase rate never applies.

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

What the filing does not tell you

Absent from the captured terms: penalty pricing. The original document is the place to look for any of these.

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.

How it sits in the issuer's own range

First International Bank and Trust has 16 agreements indexed on this site. The issuer's own range is 9.99%–27.99%. At 22.99%, this agreement is dearer than 11 of its siblings.

The document itself

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 22.99% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers.