Purchase APR
15.74–18%
Annual fee
None
Foreign fee
None
≤619620–719Cashback
Carrying $3k for a year ≈ $502.50
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43
MasterCard
Sabine State Bank And Trust Company
NationalFixed rateCredit score 620–719Credit score 720+
Purchase APR
16.80%
Annual fee
$12
0% intro
None
0% transfer
None
Foreign fee
1%
Grace period
None
Contract X-Ray — what's buried in the fine print
0 red flags · 2 filed docsDetected in the CFPB-filed cardholder agreements from Sabine State Bank And Trust Company. 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
The purchase rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered16.80%
Median16.80%
Highest offered16.80%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered16.80%
Median16.80%
Highest offered16.80%
Every fee on this card
Annual fee$12
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee—
Over-limit fee—
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Pay By Phone$10
Late fee policy: Up to $15 or 5% of the delinquent balance
Rewards, benefits and features
Rewards
None reported
Services
None reported
Features
- Chip card
Who can get this card
AvailabilityNational
Membership requirementsOpen to the public
Phone(318) 256-7000
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 16.80%$504.00
Annual / periodic fees$12
Total yearly cost$516
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the stated-day grace period avoids the interest entirely.
Cardholder agreements
2 documents filed by Sabine State Bank And Trust Company in the 2026 Q1 archive.
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Foreign fee
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Carrying $3k for a year ≈ $502.50
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