Jordan's

Jordan's, as filed by TD Bank, carries a 29.99% purchase APR and no annual fee. That purchase rate ranks near the 74th percentile across this corpus of 4,587 filings.

What the agreement puts on the record

TD Bank submitted the terms for Jordan's to the CFPB's agreement database; this is what they contain. The filing runs four pages.

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

The disclosure table in this document parsed only moderately cleanly; the numbers are reported as read, with that caveat attached.

Pricing the purchase rate

29.99% puts the purchase APR near the 74th percentile across 2,280 agreements, so it comes in above the median.

Translating the rate into money

Carry $5,000 on this card for a year without paying it down and the purchase rate alone generates roughly $1,748 in interest.

Against the corpus median of 21.99%, that is approximately $518 a year of extra interest on the same $5,000.

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.

Where the fees are

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.

The no-interest path

Anyone clearing the statement balance inside 25 days pays no purchase interest at all under this filing.

What the filing does not tell you

Absent from the captured terms: anything about cash advances, balance transfer terms, a foreign transaction fee and penalty pricing. The original document is the place to look for any of these.

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.

Against the rest of TD Bank's filings

There are 39 filings from TD Bank in this index. The issuer's own range is 16.74%–29.99%. At 29.99%, this agreement is dearer than 6 of its siblings.

On fees, 34 of the 36 sibling filings that disclose an annual fee also set it at zero — this one is among them.

The document itself

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

In short

29.99% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. The absence of an annual fee means the rate is the only thing that can make this card expensive. All of this rests on figures read from the filing with less than full confidence, which is reason enough to check the document before relying on any of it.