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Edge Consumer

Blue Ridge Bank, National Association

RegionalVariable · PrimeNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
17.49–23.49%
Annual fee
None
0% intro
12 mo
0% transfer
12 mo
Foreign fee
2.5%
Grace period
2 days

Contract X-Ray — what's buried in the fine print

0 red flags · 2 filed docs

Detected in the CFPB-filed cardholder agreements from Blue Ridge Bank, National Association. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.

No arbitration, penalty-APR, deferred-interest or change-anytime red flags detected in this issuer's filed agreements.

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
23.49%
≤619
23.49%
620–719
20.49%
720+
17.49%
Lowest offered17.49%
Median20.49%
Highest offered23.49%

Introductory purchase APR

Promotional window: 12 months

The intro rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered0%
Median0%
Highest offered0%

Balance transfer APR

Promotional window: 12 months

The transfer rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered0%
Median0%
Highest offered0%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered24.49%
Median24.49%
Highest offered24.49%

Every fee on this card

Annual feeNone
Balance transfer fee3% (min $10)
Cash advance fee4% (min $10)
Foreign transaction fee2.5%
Purchase transaction feeNone
Late fee$25
Repeat late fee (6 mo)$39
Over-limit feeNone
Minimum finance charge$0.50
Balance computationAverage daily balance including new purchases

Rewards, benefits and features

Rewards
  • Cashback rewards
  • Travel-related rewards
  • Other rewards
Services
  • Extension on manufacturer’s warranty
  • Other
Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Issuer note: Gift Cards, Merchandise

Who can get this card

AvailabilityRegional
StatesDC, GA, KY, MD, NC, SC, TN, VA, WV
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence

Geographic: Product is available to applicants who reside in states which Blue Ridge Bank, N.A. maintains branches and offices and contiguous states.

Phone1-800-944-2726
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (3%)$150
Promo interest at 0.00%$0
You save$450

Assumes you pay the balance down evenly across the 12-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 20.49% afterwards.

Cost to carry a balance
Interest for a year at 20.49%$614.70
Annual / periodic fees$0
Total yearly cost$614.70

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 2-day grace period avoids the interest entirely.

Cardholder agreements

2 documents filed by Blue Ridge Bank, National Association in the 2026 Q1 archive.

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