Agreements as filed with the CFPB. Not an offer of credit. How we read them
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Bank of Missouri, the

Curae Cardholder Agreement and Addendum October

The filed agreement discloses a purchase APR of 0%–26.99%. Below: every term the document states, what it leaves out, and how the cost compares with the rest of the database.

Disclosed rates and fees

Every figure below was read from this issuer's filed agreement. Anything the filing does not state is left out of this table rather than shown as zero.

Terms as disclosed in the filed agreement for Curae Cardholder Agreement and Addendum October
Purchase APR0%–26.99% (variable)
Annual fee$0

Analysis

Little could be extracted from Bank of Missouri, the's Curae Cardholder Agreement and Addendum October 2024 agreement. What follows is a short account of the gaps rather than a full pricing analysis.

What could be read, and what could not

Only a small number of terms could be extracted from this agreement, which limits what can usefully be said about it.

Known terms amount to a purchase APR of 0% to 26.99% and no annual fee, and no more than that.

There is no honest way to extend this analysis without inventing figures, so it ends here. The agreement Bank of Missouri, the filed is linked above and is the place to go.

What is outside the disclosure

Absent from the captured terms: anything about cash advances, balance transfer terms, a foreign transaction fee and a grace period. The original document is the place to look for any of these.

An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.

The document itself

This summary stands or falls on the linked PDF — 16 pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

With the disclosure table unreadable, any summary would be guesswork. The filed agreement stands as the only statement of these terms.

The source document

This page is a reading of one document: the cardholder agreement Bank of Missouri, the filed with the Consumer Financial Protection Bureau. Where the two disagree, the filing is correct and this page is wrong.

Open the filed agreement (PDF)

Applications are handled by Bank of Missouri, the, not by us. We do not take applications and cannot say whether you would be approved.

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All 120 agreements from Bank of Missouri, the

Where this card sits

Groups this agreement qualifies for, by its own disclosed terms:

Comparable cards from other issuers

Closest disclosed purchase APR among cards in the same groups.