Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchasesintroductory rate first
Introductory, reported median duration 12 months	0% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Great credit	median 17.49%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Good credit	median 20.49%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Poor credit	median 23.49%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
No credit score	median 23.49%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
All applicants	17.49%–23.49% variableBlue Ridge Bank, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“, yourAPR will be 17.49% - 23.49% . ThisAPR will vary with the market based on the Prime Rate and your creditworthiness. *”Blue Ridge Bank, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for balance transfersintroductory rate first
Introductory, reported median duration 12 months	0% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
After	23.49% variableBlue Ridge Bank, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“, yourAPR will be 23.49%. ThisAPR will vary with the market based on the Prime Rate*”Blue Ridge Bank, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for cash advances	24.49% variableBlue Ridge Bank, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“24.49% ThisAPR will vary with the market based on the Prime Rate*”Blue Ridge Bank, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	2 days from the close of each billing cycle	—	—
Minimum interest charge	$0.50	—	—
How we calculate your balance	Average daily balance including new purchases	—	—
Annual fee	$0Blue Ridge Bank, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“None”Blue Ridge Bank, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Transaction fees
Cash advance	4% of the amount, minimum $10Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Balance transfer	3% of the amount, minimum $10Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Foreign transaction	2.50% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Penalty fees
First late fee	$25Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Repeat late fee within six billing cycles	$39Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Returned payment	—	no source read
Other fees
None disclosed	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Over limit	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Purchase transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Balance transfer terms	NoConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Opening conditions	Product is available to applicants who reside in states which Blue Ridge Bank, N.A. maintains branches and offices and contiguous states.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website

Edge Pricing Addendum 11_18_2025page 1 of 1

Effective Date:

Prime Rate:

7.00%*

11/28/2025

Interest Rates and Interest Charges ANNUALPERCENTAGE RATE(APR) for Purchases · 0% Introductory Rate for 12 months from date of account opening. After that, yourAPR will be 17.49% - 23.49% . ThisAPR will vary with the market based on the Prime Rate and your creditworthiness. * APR for Balance Transfers · 0% Introductory Rate for 12 months from date of account opening. After that, yourAPR will be 23.49%. ThisAPR will vary with the market based on the Prime Rate* APR for CashAdvances · 24.49% ThisAPR will vary with the market based on the Prime Rate* PenaltyAPRandWhenIt Applies · None HowtoAvoid Paying Interest · Your due date is at least days after the close of each billing cycle. Wewill not charge you any interest on purchases and balance transfers if you pay your entire balance by the due date each month. Revolving accounts accrue interest for balance transfers and cash advances on the transaction posting date. MinimumInterest Charge · If you are charged interest, the minimum charge will be no less than $0.50 For Credit Card Tips from the ConsumerFinancial Protection Bureau · To learn more about factors to considerwhen applying for or using credit card, visit the website of the Consumer Financial Protection Bureau at https//www.consumerfinance.gov/learnmore Fees Annual Fee · None Transaction Fees Balance Transfer: Cash Advance: Foreign Transaction: · Either $10 or 3% of the amount of each transfer, whichever is greater. Either $10 or 4% of the amount of each cash advance, whichever is greater. 2.5% of each transaction in U.S. dollars. Penalty Fees LatePayment: Returned Payment: · Upto$39 Upto$39

How We Will Calculate Your Balance: We use a method called 'average daily balance (including new purchases).'

* Your APR is based on the highest prime rate published in the Wall Street Journal 'Money Rates' table plus a margin of 10. %-%. The Margin is based on our review of your credit report. We read the WSJ Prime rate on the 15 th day of each month and any change in your rate will be reflected as of the th day of that same month.

If your Total Minimum Payment Due is not received by your Payment Due Date, a Late Payment Fee will be assessed. However, the Late

All account terms are governed by the Credit Card Agreement. Account and Agreement terms are not guaranteed for any period of time. In accordance with the Agreement and applicable law, we may change them based on information in your credit report, market conditions, business strategies, or for any reason.

Billing Rights: Information on your rights to dispute transactions and how to those rights is provided in your account agreement.

Edge Consumer Credit Card Disclosure

1Page 1 is cited

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

Blue Ridge Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“, yourAPR will be 23.49%. ThisAPR will vary with the market based on the Prime Rate*”
Read exact source ↗
Blue Ridge Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“24.49% ThisAPR will vary with the market based on the Prime Rate*”
Read exact source ↗
Blue Ridge Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“, yourAPR will be 17.49% - 23.49% . ThisAPR will vary with the market based on the Prime Rate and your creditworthiness. *”
Read exact source ↗
Blue Ridge Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“None”
Read exact source ↗

CFPB survey — historical cohort statistics

Reported medians describe observed cohorts at the survey date; they are not contractual APR ranges.

Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:blue-ridge-bank-national-association:edge-consumer
Fields: Balance Transfer Offered?, Median Length of Balance Transfer APR, Purchase APR Index, Transfer APR max, Transfer APR median, Transfer APR min, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:blue-ridge-bank-national-association:edge-consumer
Fields: Intro APR max, Intro APR median, Intro APR min, Introductory APR Offered?, Median Length of Introductory APR, Purchase APR Index, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:blue-ridge-bank-national-association:edge-consumer
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR good, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:blue-ridge-bank-national-association:edge-consumer
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR great, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:blue-ridge-bank-national-association:edge-consumer
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR no score, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:blue-ridge-bank-national-association:edge-consumer
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR poor, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:blue-ridge-bank-national-association:edge-consumer
Fields: Balance Transfer Fee ($), Balance Transfer Fee (%), Balance Transfer Fee Calculation, Balance Transfer Fee Types, Balance Transfer Fees?, Minimum Balance Transfer Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:blue-ridge-bank-national-association:edge-consumer
Fields: Cash Advance Fee ($), Cash Advance Fee (%), Cash Advance Fee Calculation, Cash Advance Fee Types, Cash Advance Fees?, Minimum Cash Advance Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:blue-ridge-bank-national-association:edge-consumer
Fields: Foreign Transaction Fee ($), Foreign Transaction Fee (%), Foreign Transaction Fee Calculation, Foreign Transaction Fees Types, Foreign Transaction Fees?, Minimum Foreign Transaction Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:blue-ridge-bank-national-association:edge-consumer
Fields: Late Fee ($), Late Fee Policy Details, Late Fee Types, Late Fees?
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:blue-ridge-bank-national-association:edge-consumer
Fields: Late Fee Six Month Billing Cycle
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:blue-ridge-bank-national-association:edge-consumer
Fields: Additional Fees, Other Fees
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:blue-ridge-bank-national-association:edge-consumer
Fields: Over Limit Fee ($), Over Limit Fee Types, Over Limit Fees?, Overlimit Fee Detail
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:blue-ridge-bank-national-association:edge-consumer
Fields: Minimum Purchase Transaction Fee Amount, Purchase Transaction Fee ($), Purchase Transaction Fee (%), Purchase Transaction Fee Calculation, Purchase Transaction Fee Type, Purchase Transaction Fees
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:blue-ridge-bank-national-association:edge-consumer
Fields: Geographic Restrictions, Requirements for Opening, Requirements for Opening Types
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:blue-ridge-bank-national-association:edge-consumer
Fields: Annual Fee, Balance Computation Method, Balance Computation Method Details, Balance Transfer Grace Period, Card Features, Contact Information Types, Fee Explanation, Fee Varies?, Grace Period, Grace Period Offered?, Institution Name, Issued by Top 25 Institution, Minimum Finance Charge (Dollars), Minimum Finance Charge?, Monthly Fee, Periodic Fee Type, Periodic max, Periodic min, Product Name, Report Date, Requirements for Opening, Secured Card, Targeted Credit Tiers, Telephone Number for Consumers, Website for Consumer, Weekly Fee
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CFPB Good (620–719) and Great (720+) definitions ↗

History

dates on sources or when they were captured

Aug 23, 2026: Annual fee, Balance transfer APR, Cash advance APR, Purchase APR
Dec 31, 2025: Balance transfer APR, Balance transfer fee, Balance transfer terms, Card terms, Cash advance fee, Foreign transaction fee, Late payment fee, Other fee, Over limit fee, Purchase APR, Purchase transaction fee

Offered through: Blue Ridge Bank
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 35274
Branches: 27 in NC, VA
Sources: Government dataset · 2 documents · 1 page cited

Documents

Consumer Edge Agreementeffective date not parsed
Edge Pricing Addendum 11_18_2025effective date not parsed

Edge ConsumerBlue Ridge Bank · N bank, NC · FDIC 35274

Rates and fees