Unicorn Cardholder Agreement & Pricing Information

On the record for Unicorn Cardholder Agreement & Pricing Information 3 31 26: a 16.01% purchase APR and no annual fee, filed by Wilmington Savings Fund Society. Against the 4,587 filings on this site, that rate lands around the 17th percentile.

On the face of the filing

What follows is drawn entirely from Wilmington Savings Fund Society's CFPB filing for Unicorn Cardholder Agreement & Pricing Information 3 31 26. The filing runs 20 pages, and It is issued on the Visa network.

The disclosure covers a purchase rate, a cash advance rate, an annual fee line, a late payment maximum and a grace period. A balance transfer rate, a penalty rate and a foreign transaction fee are not stated.

How the purchase rate compares

At 16.01%, the purchase APR falls at roughly the 17th percentile of the 2,280 filings indexed here, which is comfortably below what most issuers filed.

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.

What the rate means in dollars

At the disclosed purchase APR, $1,200 revolving for a full year costs something like $208 in interest.

The corpus median purchase rate is 21.99%, which on the same $1,200 would cost about $295 a year. This filing saves roughly $87 annually against that benchmark.

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.

What a missed payment costs

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

What the card costs before you borrow

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.

For cash advances the filing discloses a cash advance APR of 24.99%. That is 8.98 points above the purchase rate. The grace period described below generally does not extend to cash advances, so interest on them usually begins immediately.

The grace period

25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. That matches the 25-day median across the corpus almost exactly.

Against the rest of Wilmington Savings Fund Society's filings

This is one of 4 Wilmington Savings Fund Society agreements collected here. The issuer's own range is 16.01%–24.99%. At 16.01%, this agreement is dearer than 0 of its siblings.

What you cannot learn from the filing

Absent from the captured terms: balance transfer terms, a foreign transaction fee 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.

The document itself

Everything here is a reading of the filed agreement, 20 pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

At 16.01% the purchase rate is low relative to this corpus, which is the clearest thing the filing has going for it on cost. The absence of an annual fee means the rate is the only thing that can make this card expensive.