Skip to content
Banking RegistryReal data. Clear answers.
Banking RegistryReal data. Clear answers.

Side-by-side review

Compare terms without losing the source.

Add cards by their address. Each column is the same disclosure the product page shows, in the same order, with the same links to the document each value was read from.

Clear
Edge ConsumerRemove

Blue Ridge Bank

Product terms with exact source passages
TermValueSource
APR for purchasesintroductory rate first
Introductory, reported median duration 12 months0% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Great creditmedian 17.49%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Good creditmedian 20.49%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Poor creditmedian 23.49%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
No credit scoremedian 23.49%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
All applicants17.49%–23.49% variableBlue Ridge Bank, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026p. 1
APR for balance transfersintroductory rate first
Introductory, reported median duration 12 months0% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
After23.49% variableBlue Ridge Bank, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026p. 1
APR for cash advances24.49% variableBlue Ridge Bank, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026p. 1
Penalty APRafter a late or returned payment—
Paying interestgrace period on new purchases2 days from the close of each billing cycle—
Minimum interest charge$0.50—
How we calculate your balanceAverage daily balance including new purchases—
Annual fee$0Blue Ridge Bank, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026p. 1
Transaction fees
Cash advance4% of the amount, minimum $10Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Balance transfer3% of the amount, minimum $10Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Foreign transaction2.50% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Penalty fees
First late fee$25Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Repeat late fee within six billing cycles$39Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Returned payment—
Other fees
None disclosed$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Over limit$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Purchase transaction$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Balance transfer termsNoConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Opening conditionsProduct 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, 2026Website