Fn49mf D 0724(afti)

First National Bank's filed agreement for Fn49mf D 0724(afti) discloses a 29.9% purchase APR and a $49 annual fee. The purchase rate sits at roughly the 72nd percentile of the 4,587 agreements indexed here.

On the face of the filing

What follows is drawn entirely from First National Bank's CFPB filing for Fn49mf D 0724(afti). It is issued on the Visa network and the filing runs five pages.

The filing is explicit about a purchase rate, a cash advance rate, an annual fee line, a late payment maximum and a grace period. It is silent on a balance transfer rate, a penalty rate and a foreign transaction fee.

The purchase APR against the corpus

29.9% puts the purchase APR near the 72nd percentile across 2,280 agreements, so it sits in the more expensive half.

What the rate means in dollars

A $5,000 balance left untouched for twelve months accrues about $1,742 in interest at this purchase rate.

A card priced at the corpus median of 21.99% would charge roughly $1,229 on that balance. This one charges about $512 more per year.

Broken down to a single thirty-day cycle, the same balance accrues roughly $124.35.

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 $49, charged whether or not the card is used. Against the filings here that disclose a fee, that sits at roughly the 87th percentile.

Expressed in the card's own terms, the $49 fee equals about a year's interest on a $164 balance at the disclosed 29.9% purchase rate.

Taking cash against the card means a cash advance fee of 2% and a cash advance APR of 29.9%.

Penalty pricing and late fees

On the fee side, a late payment can cost up to $25, which is around the 32nd percentile here.

Paying in full

The filing gives 25 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest.

The filing sets the minimum interest charge at zero — small balances are not rounded up to a floor.

Inside First National Bank's filed lineup

There are 10 filings from First National Bank in this index. Across that lineup purchase rates span 18.4% to 29.9%; this filing's 29.9% sits above 2 of the comparable ones.

What is outside the disclosure

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

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.

The document itself

Everything here is a reading of the filed agreement, five pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

At 29.9% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers. The $49 annual fee is charged regardless of use, so it is a cost that applies even to an account that never revolves.