Destiny Mastercard Cardholder Agreement

Destiny Mastercard Cardholder Agreement 238, as filed by Bank of Missouri, the, carries a 35.9% purchase APR. That purchase rate ranks near the 91st percentile across this corpus of 4,587 filings.

What the agreement puts on the record

What follows is drawn entirely from Bank of Missouri, the's CFPB filing for Destiny Mastercard Cardholder Agreement 238. The filing runs 13 pages, and It is issued on the Mastercard network.

The filing is explicit about a purchase rate, a late payment maximum, a foreign transaction fee and a grace period. It is silent on a cash advance rate, a balance transfer rate and a penalty rate.

The purchase rate in context

35.9% puts the purchase APR near the 91st percentile across 2,280 agreements, so it is costlier than the large majority of filings here.

The arithmetic of revolving

Carry $2,000 on this card for a year without paying it down and the purchase rate alone generates roughly $863 in interest.

On a median-priced agreement from this index (21.99%) the same $2,000 would run about $492 a year, so this card costs in the region of $372 more annually for the identical balance.

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.

Charges beyond interest

Foreign transactions attract 1%. On $5,000 of overseas spending that is $50, charged on top of whatever exchange rate applies.

The downside terms

On the fee side, a late payment can cost up to $41, which is around the 89th percentile here.

Grace period and minimum charge

Purchases carry a 25-day grace period: pay the statement in full inside it and the purchase rate never applies. 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.

How it sits in the issuer's own range

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

What the filing does not tell you

This page cannot tell you anything about cash advances, balance transfer terms, an annual fee and penalty pricing, because the filing's disclosure table as read does not contain them.

More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.

Where the authority sits

Everything here is a reading of the filed agreement, 13 pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

35.9% on purchases is the number that dominates this agreement. Paid in full each cycle it never applies; carried, it is among the dearer prices in this index.