card bag
CN → US| HS编码 | 关税税率 | 原产国 | 目的国 | 文档 |
|---|---|---|---|---|
| 3926903300 | 16.5% | CN | US | 官方文档 |
| 4820900000 | 35.0% | CN | US | 官方文档 |
| 4820300040 | 35.0% | CN | US | 官方文档 |
| 3926909989 | 22.8% | CN | US | 官方文档 |
| 4202399000 | 55.0% | CN | US | 官方文档 |
商品图片
AI分析
🎴 Card Bags (Card Holders / Wallets for Cards)
🌐 HS Code Reference & Customs Clearance Guide | 2026 Latest Tariff Analysis | Strategic Clearance Strategy
📌 I. Product Definition & Classification: Do You Really Understand "Card Bags"?
A Card Bag (often referred to as a Card Holder, Business Card Holder, or Multi-Card Wallet) is a small accessory designed specifically to store, organize, and protect credit cards, ID cards, or business cards. In international trade, the classification depends strictly on the primary material of the product and its functional design.
There are two main material categories: 1. Plastic/Synthetic Materials: Rigid or semi-rigid holders, often PVC, vinyl, or acrylic. 2. Paper/Cardboard Materials: Flat folders, sleeve-style holders made of paper stock.
⚠️ Key Distinction Point:
- If made of Plastic, Leather, or Synthetic Leather for carrying in pockets/bags → Chapter 42 or 39
- If made of Paper or Paperboard as an accessory for documents → Chapter 48
📦 II. HS Code Classification Details (2026 Latest Tariff Authority Match)
Below are the exact HS Codes derived from the provided data <DATA>, categorized by material and function.
| HS Code | Product Description | Material | Functional Category |
|---|---|---|---|
3926.90.33.00 |
Plastic Card Bag | Plastic | Handbags/Bags of other plastic materials |
3926.90.99.89 |
Card Bag (Mixed Material) | Plastic, Leather, or Synthetic | Other plastic articles |
4820.90.00.00 |
Paper/Cardboard Card Bag | Paper/Cardboard | File covers, folders, and stationery |
4820.30.00.40 |
Paper/Cardboard Card Bag | Paper/Cardboard | Accessories for file covers/folders |
4202.39.90.00 |
Card Bag (Premium) | Leather, Plastic, or Textile | Articles typically carried in pocket or handbag |
🔍 Key Reminder:
- Plastic Card Bags are generally classified under Chapter 39 (Plastics) or Chapter 42 (Articles of Leather).
- Paper Card Bags are strictly classified under Chapter 48 (Paper Products).
- Do not confuse "Plastic Card Bags" (Chapter 39) with "Leather-like Plastic" (Chapter 42). The distinction lies in whether the product is considered a "bag/article of leather" vs. "other plastic article."
💰 III. 2026 Latest Tariff Rate Breakdown (Including Additional Taxes & Policy Surcharges)
✅ Applicable Country: United States (US)
✅ Country of Origin: China (CN)
✅ Effective Date: Current Tariff Structure (Including Section 301 & Section 122 Surcharges)
The total tax rate is composed of:
Base Duty + Section 301 Additional Duty + Section 122 Duty (10%) = Total Effective Rate
🎯 1. 3926.90.33.00 —— Plastic Card Bag (Bag-Type)
| Item | Detail |
|---|---|
| Base Duty | 6.5% |
| Section 301 Additional Duty | 0.0% |
| Section 122 Duty | 10.0% |
| Total Tax Rate | 16.5% |
| Calculation Basis | CIF Value × 16.5% |
| De Minimis Exemption | ❌ Not Eligible (Section 122 duties usually apply regardless of de minimis thresholds for certain categories, check latest CBP memos) |
| Legal Path | HTSUS:3926.90.33.00 → Base:6.5% + Sec122:10% |
📌 Explanation:
- This code is for plastic card holders explicitly classified as "handbags/bags" of plastic material.
- The total burden is relatively lower compared to other codes, but the 10% Section 122 duty is mandatory.
🎯 2. 3926.90.99.89 —— Card Bag (Mixed Material: Plastic/Leather/Synthetic)
| Item | Detail |
|---|---|
| Base Duty | 5.3% |
| Section 301 Additional Duty | 7.5% |
| Section 122 Duty | 10.0% |
| Total Tax Rate | 22.8% |
| Calculation Basis | CIF Value × 22.8% |
| De Minimis Exemption | ❌ Not Eligible |
| Legal Path | HTSUS:3926.90.99.89 → Base:5.3% + Sec301:7.5% + Sec122:10% |
📌 Note:
- This is a "catch-all" code for plastic articles that don't fit the specific "bag" definition of33.00.
- Includes products made of plastic combined with leather or synthetic leather linings that are still primarily classified as plastic articles.
🎯 3. 4820.90.00.00 —— Paper/Cardboard Card Bag (Stationery Type)
| Item | Detail |
|---|---|
| Base Duty | 0.0% |
| Section 301 Additional Duty | 25.0% |
| Section 122 Duty | 10.0% |
| Total Tax Rate | 35.0% |
| Calculation Basis | CIF Value × 35.0% |
| De Minimis Exemption | ❌ Not Eligible |
| Legal Path | HTSUS:4820.90.00.00 → Base:0% + Sec301:25% + Sec122:10% |
📌 Explanation:
- Paper-based card holders are considered stationery/accessories.
- While the base duty is 0%, the 25% Section 301 tariff significantly increases the cost.
🎯 4. 4820.30.00.40 —— Paper/Cardboard Card Bag (File Cover Accessory)
| Item | Detail |
|---|---|
| Base Duty | 0.0% |
| Section 301 Additional Duty | 25.0% |
| Section 122 Duty | 10.0% |
| Total Tax Rate | 35.0% |
| Calculation Basis | CIF Value × 35.0% |
| De Minimis Exemption | ❌ Not Eligible |
| Legal Path | HTSUS:4820.30.00.40 → Base:0% + Sec301:25% + Sec122:10% |
📌 Note:
- Similar to90.00.00, this is for paper card bags viewed as accessories to file covers.
- Total tax rate is identical to the general paper stationery category.
🎯 5. 4202.39.90.00 —— Card Bag (Leather/Textile/Plastic Pocket Article)
| Item | Detail |
|---|---|
| Base Duty | 20.0% |
| Section 301 Additional Duty | 25.0% |
| Section 122 Duty | 10.0% |
| Total Tax Rate | 55.0% |
| Calculation Basis | CIF Value × 55.0% |
| De Minimis Exemption | ❌ Not Eligible |
| Legal Path | HTSUS:4202.39.90.00 → Base:20% + Sec301:25% + Sec122:10% |
📌 Warning:
- Highest Tax Rate! This code applies if the card bag is classified as an "article of leather" or "textile" intended to be carried in a pocket or handbag.
- Even if made mostly of plastic, if it mimics a wallet/pouch structure, US Customs may classify it here, leading to a massive 55% tariff.
🛠️ IV. Customs Clearance Practical Advice (Battle-Proven Tips)
✅ 1. Preparation Checklist (Non-Negotiable)
| Document | Mandatory? | Purpose |
|---|---|---|
| ✅ Product Specification Sheet | ✔️ | Define material composition % (e.g., "90% PVC, 10% Cotton Lining"). Critical for choosing between Ch 39 and Ch 42. |
| ✅ High-Resolution Photos | ✔️ | Front, back, inside, and material close-ups. Show if it has pockets, zippers, or stiffening. |
| ✅ Commercial Invoice | ✔️ | Must clearly state "Card Holder" or "Business Card Case," NOT just "Bag." |
| ✅ Origin Certificate | ✔️ | Required for Section 301 and 122 duty application verification. |
| ✅ Material Declaration | ✔️ | Explicitly declare if it is "Plastic," "Paper," or "Leather." Misdeclaration leads to penalties. |
✅ 2. Declaration Strategy (Key Mantra)
🔥 “Material Defines Code, Avoid ‘Leather’ Trap, Paper is Cheap but Taxed, Plastic is Sweet Spot!”
| Scenario | Correct HS Code | Tax Rate | Why? |
|---|---|---|---|
| Pure Plastic Card Holder | 3926.90.33.00 |
16.5% | Lowest duty for plastic. Clearly state "Plastic." |
| Plastic + Leather Trim | 3926.90.99.89 |
22.8% | If leather is minor, stay in Ch 39. If leather is primary, risk 4202 (55%). |
| Paper/Cardboard Holder | 4820.90.00.00 |
35.0% | Base 0%, but 25% Sec 301 applies. |
| Wallet-Style Card Case | 4202.39.90.00 |
55.0% | AVOID unless it is genuinely leather/textile. If it looks like a wallet, Customs may reclassify it. |
✅ 3. Special Handling for Mixed Materials
| Situation | Advice |
|---|---|
| Plastic with Leather Lining | Provide material breakdown. If plastic >50% by weight/texture, argue for 3926.90.99.89 (22.8%) rather than 4202 (55%). |
| Paper with Plastic Window | Still classified as 4820 (35%). The paper is the essential character. |
| Textile Card Holder | Likely falls under 4202.39.90.00 (55%). Avoid this code unless you accept the high duty. Consider if textile is essential or just decorative. |
🌍 V. Global Market Comparison (2026)
| Country | Recommended HS Code | Base Duty | Sec 301/122 | Total Cost Impact | Notes |
|---|---|---|---|---|---|
| 🇺🇸 USA | 3926.90.33.00 (Plastic) |
6.5% | +10% (Sec 122) | 16.5% | Most cost-effective for plastic cards. |
| 🇺🇸 USA | 4202.39.90.00 (Wallet) |
20% | +35% (Sec 301+122) | 55.0% | Very high cost. Avoid if possible. |
| 🇨🇳 China | 3926.90.33.00 |
6.5% | None | 6.5% | Low import duty in China. |
| 🇪🇺 EU | 3926.90.99 |
3.7% | None | 3.7% | No Section 301/122 in EU. Very competitive. |
| 🇬🇧 UK | 3926.90.99 |
3.7% | None | 3.7% | Post-Brexit tariffs similar to EU. |
📌 Conclusion:
- USA: Plastic card bags (3926.90.33.00) are the most tax-efficient option at 16.5%.
- EU/UK: Card bags are generally low-tax (<4%), making them highly competitive.
- Avoid4202in USA: The 55% rate destroys margins for "wallet-style" card holders.
📌 VI. Common Mistakes & Pitfalls (Lessons Learned)
❌ Mistake 1: Classifying a plastic card holder as "Wallet" (4202)
👉 Result: 55% Tax instead of 16.5%. Loss of Profit!
❌ Mistake 2: Using "Bag" in the description for a plastic card holder without specifying material
👉 Result: Customs may misclassify as textile/leather. Delay + Inspection.
❌ Mistake 3: Ignoring Section 122 Duty
👉 Result: Underpayment by 10%. Penalties + Back Taxes.
❌ Mistake 4: Declaring Paper Card Bags as "Stationery" without noting origin
👉 Result: Missing 25% Sec 301 duty. Customs Audit.
✅ Correct Practice:
"Plastic Business Card Holder, 90% PVC, 10% Cotton Lining, Designed for Pocket Use. HS: 3926.90.33.00."
🎯 VII. Conclusion: Smart Classification Saves Money!
🎯 Remember the Mantra:
🔹 "Plastic Card Bag = 16.5% (Best)"
🔹 "Paper Card Bag = 35.0% (Moderate)"
🔹 "Wallet-Style/Leather = 55.0% (Avoid)"
📌 Pro Tip:
If you are exporting to the USA, ensure your product description emphasizes "Plastic" and "Card Holder" rather than "Wallet" or "Bag" to qualify for 3926.90.33.00.
For Paper products, accept the 35% rate but optimize logistics costs.
For Mixed Materials, provide a material composition certificate to argue for Chapter 39 over Chapter 42.
📣 Immediate Action:
📞 Consult a Customs Broker for a Pre-Ruling if your product is mixed-material.
📝 Label Products Clearly with Material Composition.
📉 Calculate Landed Cost including 16.5% (Plastic) vs. 55% (Leather/Textile) to price competitively.
✨ Professional Clearance Starts with Accurate Classification!
💼 Every Percentage Point of Tariff Matters!
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关于 HS 编码归类
协调制度（HS）是由世界海关组织（WCO）制定的国际贸易商品分类标准。全球 200 多个国家采用 HS 系统作为海关关税、贸易统计和进出口监管的基础。
每个 HS 编码遵循以下层级结构：
- 章（2 位）——商品大类（例如：第 84 章：机器和机械设备）
- 品目（4 位）——章内的更具体分类
- 子目（6 位）——国际通用细分，所有 WCO 成员国统一使用
- 本国细分（8-10 位）——各国自行扩展的细分编码，如美国 HTSUS 10 位编码
正确的 HS 编码归类对于顺利通关、准确缴纳关税和遵守贸易法规至关重要。错误归类可能导致海关延误、多缴关税或罚款。
从CN进口到US时，适用的关税税率可能包括：
- 最惠国（MFN）税率——适用于 WTO 成员国的标准关税税率
- 普通税率——适用于无贸易协定国家
- 贸易救济关税——附加关税，如 301 条款（反倾销）、232 条款（国家安全）或反补贴税
本页内容仅供参考。如需正式归类，请咨询当地海关或持牌报关代理。