Tz75mf D 0425(afti)

Tz75mf D 0425(afti), as filed by First National Bank, carries a 29.9% purchase APR and a $75 annual fee. That purchase rate ranks near the 72nd percentile across this corpus of 4,587 filings.

What the document actually states

What follows is drawn entirely from First National Bank's CFPB filing for Tz75mf D 0425(afti). The filing runs five pages, and It is issued on the Visa network.

The disclosure covers a purchase rate, a cash advance rate, an annual fee line, a late payment maximum and a grace period. No figure appears for a balance transfer rate, a penalty rate and a foreign transaction fee.

Pricing the purchase rate

The purchase APR of 29.9% places this agreement around the 72nd percentile of the set — it is dearer than the typical filing.

What the rate means in dollars

The purchase rate turns a $1,500 revolving balance into roughly $523 of annual interest.

Against the corpus median of 21.99%, that is approximately $154 a year of extra interest on the same $1,500.

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

The grace period

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.

No minimum interest charge is imposed, so a cycle that accrues a few cents of interest is billed a few cents.

The downside terms

Late payments are capped at $25 under this filing, about the 32nd percentile of late fee maximums in the corpus.

Charges beyond interest

Holding the card costs $75 a year before any transaction takes place — about the 90th percentile among agreements in this index that state a fee.

Expressed in the card's own terms, the $75 fee equals about a year's interest on a $251 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%. Cash advances also tend to fall outside any grace period, which means interest typically starts on day one rather than at the end of a billing cycle.

Against the rest of First National Bank's filings

10 separate First National Bank filings appear in the corpus. Their disclosed purchase rates run from 18.4% to 29.9%, and this one at 29.9% is more expensive than 2 of them.

Among the issuer's other filings that disclose a fee, 6 of 9 come in below this card's $75.

What the filing does not tell you

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.

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.

Go to the source

The original filing, 5 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

29.9% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. The $75 annual fee is charged regardless of use, so it is a cost that applies even to an account that never revolves.