Evolve Bank & Trust credit card terms
Bank · 1 product surveyed · CFPB TCCP survey, Jul-Dec 2025
Evolve Bank & Trust reported a surveyed purchase APR of 29.49% (median 29.49%) to the CFPB Terms of Credit Card Plans survey, across 1 product. Annual fees on surveyed cards: $99. 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.
Evolve Bank & Trust surveyed terms at a glance
| Term | Reported value |
|---|---|
| Purchase APR (surveyed range) | 29.49% |
| Median purchase APR | 29.49% |
| Rate type | variable |
| Intro / promo APR offered | Not reported |
| Balance-transfer APR (max) | — |
| Cash-advance APR (max) | 31.49% |
| Annual fee | $99 |
| Late fee (median) | $40 |
| 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 Evolve Bank & Trust did not report that field in the survey.
How Evolve Bank & Trust 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. Evolve Bank & Trust's median of 29.49% sits above the 21% national average APR.
Similar issuers (bank)
| Issuer | Surveyed purchase APR | Median APR | Annual fee |
|---|---|---|---|
| Evolve Bank & Trust (this issuer) | 29.49% | 29.49% | $99 |
| First Electronic Bank | 16.74% – 29.99% | 28.46% | — |
| First American Bank And Trust | 22.5% | 22.5% | — |
| Forcht Bank | 12.75% – 24.75% | 21.75% | $295 |
| Tcm Bank | 16.74% – 26.74% | 21.74% | — |
| Blue Ridge Bank | 17.49% – 23.49% | 20.49% | — |
| First State Bank | 18% | 18% | — |
First Electronic Bank · First American Bank And Trust · Forcht Bank · Tcm Bank · Blue Ridge Bank · First State Bank
Frequently asked questions
What is Evolve Bank & Trust's credit card APR?
Evolve Bank & Trust reported a purchase APR of 29.49% to the CFPB Terms of Credit Card Plans survey (median 29.49%), across 1 surveyed product. Rates are variable. This is a surveyed range, not an offer; your actual APR depends on your credit.
Does Evolve Bank & Trust charge an annual fee?
Evolve Bank & Trust's surveyed cards carry an annual fee of $99. Many cards from this issuer have a $0 annual fee; premium cards charge more. Verify the specific card.
Is Evolve Bank & Trust a good choice for a low APR?
Evolve Bank & Trust's surveyed range is 29.49%. 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 Evolve Bank & Trust (Evolve Bank & Trust) 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