Tilt Motion Visa Credit Card

The Tilt Motion Visa Credit Card 01 05 2026 filing from Webbank sets out a purchase APR of 28.24%–33.24% and no annual fee. That purchase rate ranks near the 78th percentile across this corpus of 4,587 filings.

The disclosed terms

Webbank filed this agreement for Tilt Motion Visa Credit Card 01 05 2026 with the Consumer Financial Protection Bureau. The filing runs 22 pages, and It is issued on the Visa network.

Terms captured from the document include a purchase rate, an annual fee line, a late payment maximum and a grace period. It is silent on a cash advance rate, a balance transfer rate and a penalty rate.

Where the purchase APR sits

The purchase APR is quoted as a range of 28.24% to 33.24%. That 5-point spread is the whole of what the filing commits to; the method for assigning a rate inside it is not in the document.

The floor of that band sits at about the 72nd percentile of filed purchase rates; the ceiling sits at about the 78th. In corpus terms the same card can be cheap or expensive depending on how it is priced.

Because the rate is variable, the figure quoted is tied to an index and will drift with it. Nothing here is a fixed commitment.

The cost of carrying a balance

A $3,000 balance left untouched for twelve months accrues about $1,182 in interest at this purchase rate.

On a median-priced agreement from this index (21.99%) the same $3,000 would run about $738 a year, so this card costs in the region of $445 more annually for the identical balance.

Broken down to a single thirty-day cycle, the same balance accrues roughly $83.05.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

Fees, and what triggers them

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.

Penalty pricing and late fees

Late payments are capped at $0 under this filing, about the 2nd percentile of late fee maximums in the corpus.

The grace period

21 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. The typical filing here allows 25 days, so this one is tighter than most.

What is outside the disclosure

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.

What this analysis can address is bounded by the filing: rates, fees and the terms around them. Everything a card issuer might advertise — rewards, benefits, bonuses, who qualifies — falls outside the document and outside this review.

Against the rest of Webbank's filings

23 separate Webbank filings appear in the corpus. Their disclosed purchase rates run from 19.99% to 36%, and this one at 33.24% is more expensive than 5 of them.

The document itself

The original filing, 22 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

33.24% 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.