Destiny Mastercard Cardholder Agreement

The Destiny Mastercard Cardholder Agreement 235 filing from Bank of Missouri, the sets out a 35.9% purchase APR. That purchase rate ranks near the 91st percentile across this corpus of 4,587 filings.

What the document actually states

What follows is drawn entirely from Bank of Missouri, the's CFPB filing for Destiny Mastercard Cardholder Agreement 235. The filing runs 14 pages, and It is issued on the Mastercard network.

The disclosure covers a purchase rate, a late payment maximum, a foreign transaction fee and a grace period. No figure appears for a cash advance rate, a balance transfer rate and a penalty rate.

The purchase APR against the corpus

Set beside the rest of the index, the purchase APR of 35.9% lands at the 91st percentile; it is costlier than the large majority of filings here.

The cost of carrying a balance

The purchase rate turns a $1,000 revolving balance into roughly $432 of annual interest.

Against the corpus median of 21.99%, that is approximately $186 a year of extra interest on the same $1,000.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

What the card costs before you borrow

The filing sets a 1% foreign transaction fee, which adds roughly $30 to $3,000 spent outside the United States.

Penalty pricing and late fees

$41 is the disclosed ceiling on a late payment fee, placing it near the 89th percentile of the set.

The no-interest path

Anyone clearing the statement balance inside 25 days pays no purchase interest at all under this filing. That matches the 25-day median across the corpus almost exactly.

The $1 minimum interest charge means the effective cost of carrying a very small balance is far higher than the quoted APR implies.

The issuer's other agreements

120 separate Bank of Missouri, the filings appear in the corpus. Across that lineup purchase rates span 24.9% to 36%; this filing's 35.9% sits above 19 of the comparable ones.

What is outside the disclosure

Absent from the captured terms: anything about cash advances, balance transfer terms, an annual fee and penalty pricing. 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.

Go to the source

The original filing, 14 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

In short

This is an expensive agreement by the standards of the corpus, driven by a 35.9% purchase rate that is inert for a transactor and punishing for a revolver.