Disclosed rates and fees
Every figure below was read from this issuer's filed agreement. Anything the filing does not state is left out of this table rather than shown as zero.
| Annual fee | $0 |
|---|---|
| Late payment fee | up to $25 |
| Foreign transaction fee | None |
| Cash advance fee | $0 |
| Balance transfer fee | $0 |
| Grace period | 21 days |
Analysis
CC Acct Opening Disclosure NO Intro, as filed by Shell Federal Credit Union, carries no annual fee.
The disclosed terms
Shell Federal Credit Union filed this agreement for CC Acct Opening Disclosure NO Intro with the Consumer Financial Protection Bureau. The filing runs two pages.
On the record here: an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. It is silent on a purchase rate, a cash advance rate and a balance transfer rate.
Confidence in the parse of this filing is moderate rather than high, so the figures below are best checked against the original.
Charges beyond interest
There is no annual fee. That is the common case in this corpus — about 75% of the filings that disclose an annual fee at all disclose it as $0 — so it is a baseline expectation rather than a distinguishing feature.
Cash advances carry a cash advance fee of $0.
Transfers are charged a flat $0, though no distinct transfer APR appears in the document.
No foreign transaction fee is charged, which puts this filing in the roughly 22% of disclosing agreements here that do not take a cut of overseas spending.
Penalty pricing and late fees
The maximum late fee is $25 — roughly the 32nd percentile of the late fee ceilings disclosed across this index.
The no-interest path
Purchases carry a 21-day grace period: pay the statement in full inside it and the purchase rate never applies. The typical filing here allows 25 days, so this one is tighter than most.
The issuer's other agreements
Shell Federal Credit Union has 6 agreements indexed on this site.
The limits of this document
Absent from the captured terms: a purchase rate and penalty pricing. The original document is the place to look for any of these.
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.
The document itself
This summary stands or falls on the linked PDF — two pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.
In short
Extraction confidence here is not high, so the conclusions above are provisional on the PDF agreeing with them.
The source document
This page is a reading of one document: the cardholder agreement Shell Federal Credit Union filed with the Consumer Financial Protection Bureau. Where the two disagree, the filing is correct and this page is wrong.
Applications are handled by Shell Federal Credit Union, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from Shell Federal Credit Union
-
Application and Solicitation Disclosure
Agreement filed with the CFPB
- Annual fee
- $45
- Foreign tx fee
- 1%
-
CC Acct Opening Disclosure W Intro
Agreement filed with the CFPB
- Purchase APR
- 17.99%
- Foreign tx fee
- 1%
Where this card sits
Groups this agreement qualifies for, by its own disclosed terms:
Comparable cards from other issuers
Closest disclosed purchase APR among cards in the same groups.