Purchase APR
32.49–32.99%
Annual fee
None
Foreign fee
3%
Top-25 issuer≤619620–719Other
Carrying $3k for a year ≈ $989.70
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33
Purchase APR
29.99–35.99%
Annual fee
$39
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
30 days
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 offered29.99%
Median32.99%
Highest offered35.99%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered29.99%
Median32.99%
Highest offered35.99%
Every fee on this card
Annual fee$39
Periodic fee range$39 – $75
Balance transfer feeNone
Cash advance feegreater of 3% or $10
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$28
Repeat late fee (6 mo)$39
Over-limit feeNone
Minimum finance charge$1
Balance computationAverage daily balance including new purchases
Rewards, benefits and features
Rewards
- Cashback rewards
Services
- Debt cancellation coverage
Features
- Contactless Payments
- Chip card
- Fee-free foreign transactions
- Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityNational
Membership requirementsOpen to the public
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 32.99%$989.70
Annual / periodic fees$39
Total yearly cost$1,028.70
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
23 documents filed by Webbank in the 2026 Q1 archive.
- Atlanticus Imagine Cardholder Agreement 03.01.2023450 KB
- AvantCard_Cardmember_Agreement_-_Annual_INTRO_04_01_2026315 KB
- AvantCard_Cardmember_Agreement_-_Monthly_or_Annual_NO_INTRO_04_01_2026266 KB
- Bluestem - Fingerhut Fetti Revolving Non-variable 06.1.257.5 MB
- Bluestem Fingerhut Advantage NonVariable_terms 06.1.25145 KB
- Cleo Credit Builder Cardholder Agreement March 2025215 KB
Similar cards
Purchase APR
32.99%
Annual fee
None
Foreign fee
3%
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $989.70
Purchase APR
32.74%
Annual fee
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Foreign fee
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Top-25 issuer≤619620–719
Carrying $3k for a year ≈ $982.20
Purchase APR
32.74%
Annual fee
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Foreign fee
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Top-25 issuer≤619620–719
Carrying $3k for a year ≈ $982.20