11 11 25 X LEVEL A Cardholder Agreement blc11

First International Bank and Trust's filed agreement for 11 11 25 X LEVEL A Cardholder Agreement blc11 discloses a 17.24% purchase APR, a $95 annual fee and a 2.9% introductory rate. That purchase rate ranks near the 21st percentile across this corpus of 4,587 filings.

What the agreement puts on the record

This page covers the agreement First International Bank and Trust filed for 11 11 25 X LEVEL A Cardholder Agreement blc11. The filing runs four pages.

The disclosure covers 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.

What the promotional rate is worth

The introductory rate is 2.9%, held for six months. It is a discount rather than a holiday — interest still accrues, just more slowly than the go-to rate.

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

Once the introductory period ends the rate becomes 17.24%, which turns a lingering $2,500 balance into approximately $470 of annual interest.

The purchase APR against the corpus

Ranked against the corpus, this purchase APR — 17.24% — sits at approximately the 21st percentile and comes in under the midpoint of the corpus.

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.

What the rate means in dollars

The purchase rate turns a $1,000 revolving balance into roughly $188 of annual interest.

Measured against the 21.99% corpus median, the same $1,000 costs approximately $58 less per year here.

Small balances do not get a proportionally small bill — the agreement imposes a $1 minimum interest charge in any month where interest applies.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

Default pricing

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

Charges beyond interest

The annual fee is $95, charged whether or not the card is used. Against the filings here that disclose a fee, that sits at roughly the 92nd percentile.

Expressed in the card's own terms, the $95 fee equals about a year's interest on a $551 balance at the disclosed 17.24% purchase rate.

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 20.24%. The premium over purchases is 3 percentage points. Advances under roughly $167 are charged the flat $5; larger ones are charged 3%.

Moving a balance onto this card carries an up-front charge of $5 or 3% of the amount transferred, whichever is greater, with the transferred balance priced at 17.24%. Transferring $5,000 would cost roughly $150 at the door.

The filing sets a 1% foreign transaction fee, which adds roughly $15 to $1,500 spent outside the United States.

The grace period

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

A minimum interest charge of $1 applies in any cycle where interest is due, which makes very small revolving balances disproportionately expensive.

Inside First International Bank and Trust's filed lineup

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 17.24% sits above 4 of the comparable ones.

Among the issuer's other filings that disclose a fee, 10 of 15 come in below this card's $95.

What you cannot learn from the filing

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

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.

Reading the agreement yourself

The filed PDF is linked from this page and runs four pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

17.24% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. The $95 annual fee is charged regardless of use, so it is a cost that applies even to an account that never revolves.