Wheatland Card Solutions Cardholder Agreement

Wheatland Card Solutions Cardholder Agreement, as filed by Intrust Bank, carries a 12.24% purchase APR, no annual fee, a 4.99% introductory rate and a 27.99% penalty rate. That purchase rate ranks near the 8th percentile across this corpus of 4,587 filings.

On the face of the filing

What follows is drawn entirely from Intrust Bank's CFPB filing for Wheatland Card Solutions Cardholder Agreement. It is issued on the Visa network and the filing runs seven pages.

The disclosure covers a purchase rate, a cash advance rate, a balance transfer rate, a penalty rate and an annual fee line.

What the promotional rate is worth

A promotional rate of 4.99% 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, 4.99% sits at about the 87th percentile.

Once the introductory period ends the rate becomes 12.24%, which turns a lingering $3,000 balance into approximately $391 of annual interest.

The purchase APR against the corpus

Set beside the rest of the index, the purchase APR of 12.24% lands at the 8th percentile; it is comfortably below what most issuers filed.

This is disclosed as a variable rate. The number above is a snapshot: it tracks an index, so it changes without the agreement being amended.

What the rate means in dollars

The purchase rate turns a $1,200 revolving balance into roughly $156 of annual interest.

Priced at the median of 21.99%, that balance would generate about $295 in a year — so this agreement comes in around $139 cheaper for the same debt.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

What the card costs before you borrow

No annual fee appears in the filing, in line with the roughly 75% of disclosing agreements in this index that charge nothing to hold the card.

Taking cash against the card means a cash advance fee of $10 or 5% of the advance, whichever is greater and a cash advance APR of 24.99%. The premium over purchases is 12.75 percentage points. $200 is the crossover point where the percentage overtakes the $10 minimum. 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.

The transfer fee is $10 or 3% of the amount transferred, whichever is greater; transferred balances then run at 12.24%. Shifting $1,000 across attracts something like $30 in fees on day one.

The filing sets a 3% foreign transaction fee, which adds roughly $60 to $2,000 spent outside the United States.

That is at the high end of this corpus — around the 91st percentile of disclosed foreign transaction fees.

Paying in full

25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing.

When a payment is late

If the account defaults, the filing permits a rate of 27.99%. Among disclosing agreements here that ranks near the 53rd percentile.

A default therefore reprices the debt by 15.75 points: about $482 a year more on $2,500, for as long as the penalty rate stands.

$37 is the disclosed ceiling on a late payment fee, placing it near the 59th percentile of the set.

What is outside the disclosure

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.

Where the authority sits

This summary stands or falls on the linked PDF — seven pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

12.24% places this filing at the inexpensive end of the set, which is the headline here.