Blue Ridge Bank credit card terms
Bank · 1 product surveyed · CFPB TCCP survey, Jul-Dec 2025
Blue Ridge Bank reported a surveyed purchase APR of 17.49% – 23.49% (median 20.49%) to the CFPB Terms of Credit Card Plans survey, across 1 product. No annual fee was reported for its surveyed cards. These are surveyed terms, not an offer — your APR depends on your credit.
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
Blue Ridge Bank surveyed terms at a glance
| Term | Reported value |
|---|---|
| Purchase APR (surveyed range) | 17.49% – 23.49% |
| Median purchase APR | 20.49% |
| Rate type | variable |
| Intro / promo APR offered | Yes |
| Balance-transfer APR (max) | — |
| Cash-advance APR (max) | 24.49% |
| Annual fee | — |
| Late fee (median) | $25 |
| Secured card offered | Not reported |
| Products surveyed | 1 |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
A dash (—) means Blue Ridge Bank did not report that field in the survey.
Blue Ridge Bank purchase APR by credit tier
Median purchase APR Blue Ridge Bank reported for each applicant credit tier. Cards typically quote a range and place you within it based on your credit:
| Your credit tier | Median purchase APR |
|---|---|
| Poor credit (619 or less) | 23.49% |
| Good credit (620-719) | 20.49% |
| Great credit (720+) | 17.49% |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
How Blue Ridge Bank compares
For good credit (620-719), the CFPB median purchase APR was 28.2% at large issuers and 18.15% at small banks and credit unions. Blue Ridge Bank's median of 20.49% sits around or below the 21% national average APR.
Similar issuers (bank)
| Issuer | Surveyed purchase APR | Median APR | Annual fee |
|---|---|---|---|
| Blue Ridge Bank (this issuer) | 17.49% – 23.49% | 20.49% | — |
| Tcm Bank | 16.74% – 26.74% | 21.74% | — |
| Forcht Bank | 12.75% – 24.75% | 21.75% | $295 |
| First American Bank And Trust | 22.5% | 22.5% | — |
| First State Bank | 18% | 18% | — |
| Farm Bureau Bank Fsb | 16.74% – 29.99% | 17.99% | — |
| Midfirst Bank | 13.74% – 21.74% | 17.74% | — |
Tcm Bank · Forcht Bank · First American Bank And Trust · First State Bank · Farm Bureau Bank Fsb · Midfirst Bank
Frequently asked questions
What is Blue Ridge Bank's credit card APR?
Blue Ridge Bank reported a purchase APR of 17.49% – 23.49% to the CFPB Terms of Credit Card Plans survey (median 20.49%), across 1 surveyed product. Rates are variable. This is a surveyed range, not an offer; your actual APR depends on your credit.
Does Blue Ridge Bank charge an annual fee?
Blue Ridge Bank did not report an annual fee for its surveyed cards (most general cards from this issuer have no annual fee, though premium cards can). Verify the specific card's terms.
Is Blue Ridge Bank a good choice for a low APR?
Blue Ridge Bank's surveyed range is 17.49% – 23.49%. Compare it against a credit union, which often offers lower rates (federal credit unions are capped at 18%).
Keep exploring
Sources & accuracy
Terms reported by Blue Ridge Bank (Blue Ridge Bank, National Association) to the CFPB Terms of Credit Card Plans (TCCP) Survey (U.S. public domain, CFPB TCCP survey, Jul-Dec 2025). Surveyed terms are not an offer; your actual APR, fees and approval depend on your creditworthiness. Verify current terms with the issuer. See our methodology and disclaimer.
Last updated: 2026-06-29