Detected in the CFPB-filed cardholder agreements from Forcht Bank, National Association. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Penalty APR
Slip up and your rate can jump to a much higher penalty APR.
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“…ny accounts that you have with us. If this occurs, any promotional period and associated rate discount(s) will also come to an end. How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due. 10. RUSH CARD…”
“…0% - This APR may be applied to your account if you make a late payment 60 days late, 1 time on any accounts that you have with us. How Long Will the Penalty APR Apply?: If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due. 10. RUSH CAR…”
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: 5 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
No score
—
≤619
—
620–719
13.75%
720+
13.75%
Lowest offered12.75%
Median—
Highest offered14.75%
Every fee on this card
Annual feeNone
Periodic fee range$0 – $100
Balance transfer fee3% (min $5)
Cash advance fee4% (min $5)
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$25
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Rewards, benefits and features
Rewards
None reported
Services
None reported
Features
Contactless Payments
Chip card
Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityRegional
StatesFL, IN, KY, OH, TN, VA
Membership requirementsOpen to the public
Balance transfer calculator
Stay put — 5 mo at 24%$250
Transfer fee (3%)$150
Promo interest at 0.00%$0
You save$100
Assumes you pay the balance down evenly across the 5-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 13.75% afterwards.
Cost to carry a balance
Interest for a year at 13.75%$412.50
Annual / periodic fees$0
Total yearly cost$412.50
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 30-day grace period avoids the interest entirely.
Cardholder agreements
5 documents filed by Forcht Bank, National Association in the 2026 Q1 archive.