Pinnacle Bank Credit Card Disclosure

Pinnacle Bank's filed agreement for Pinnacle Bank Credit Card Disclosure discloses a 18.75% purchase APR and no annual fee. That purchase rate ranks near the 39th percentile across this corpus of 4,587 filings.

On the face of the filing

The document behind this page is Pinnacle Bank's filed agreement for Pinnacle Bank Credit Card Disclosure. The filing runs one page, and It is issued on the Visa network.

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

Pricing the purchase rate

18.75% puts the purchase APR near the 39th percentile across 2,280 agreements, so it 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.

Translating the rate into money

The purchase rate turns a $2,000 revolving balance into roughly $412 of annual interest.

The corpus median purchase rate is 21.99%, which on the same $2,000 would cost about $492 a year. This filing saves roughly $79 annually against that benchmark.

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.

When a payment is late

$25 is the disclosed ceiling on a late payment fee, placing it near the 32nd percentile of the set.

Where the fees are

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.

The transfer fee is $2 or 2% of the amount transferred, whichever is greater; transferred balances then run at 18.75%. Shifting $7,500 across attracts something like $150 in fees on day one.

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

The no-interest path

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

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

Inside Pinnacle Bank's filed lineup

There are 10 filings from Pinnacle Bank in this index. The issuer's own range is 17.24%–19.24%. At 18.75%, this agreement is dearer than 1 of its siblings.

What the filing does not tell you

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

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

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

In short

18.75% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. With no annual fee, the cost of the account is entirely a function of whether a balance is carried.