Destiny Mastercard Cardholder Agreement

The Destiny Mastercard Cardholder Agreement 249 filing from Bank of Missouri, the sets out a 35.9% purchase APR and a $75 annual fee. Against the 4,587 filings on this site, that rate lands around the 91st percentile.

What the agreement puts on the record

This page covers the agreement Bank of Missouri, the filed for Destiny Mastercard Cardholder Agreement 249. The filing runs 13 pages, and It is issued on the Mastercard network.

The filing is explicit about a purchase rate, an annual fee line, 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 rate in context

Ranked against the corpus, this purchase APR — 35.9% — sits at approximately the 91st percentile and is well above what most issuers disclosed.

What the rate means in dollars

Put $1,500 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $647.

Against the corpus median of 21.99%, that is approximately $279 a year of extra interest on the same $1,500.

Broken down to a single thirty-day cycle, the same balance accrues roughly $44.90.

That maths assumes a static balance and nothing else — no payments, no additional purchases, no fees folded in.

When a payment is late

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

Charges beyond interest

Holding the card costs $75 a year before any transaction takes place — about the 90th percentile among agreements in this index that state a fee.

For scale, $75 is approximately what $209 of revolving balance would cost in interest over twelve months at this card's 35.9% rate.

Cash advances carry a cash advance fee of $5 or 5% of the advance, whichever is greater.

Spending abroad costs an extra 1% — about $50 on $5,000 of purchases, independent of interest.

The grace period

25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. That matches the 25-day median across the corpus almost exactly.

Where interest applies at all, the filing bills at least $1. On a tiny balance that floor can dwarf the rate itself.

Against the rest of Bank of Missouri, the's filings

This is one of 120 Bank of Missouri, the agreements collected here. The issuer's own range is 24.9%–36%. At 35.9%, this agreement is dearer than 19 of its siblings.

Among the issuer's other filings that disclose a fee, 36 of 79 come in below this card's $75.

The limits of this document

This page cannot tell you balance transfer terms and penalty pricing, because the filing's disclosure table as read does not contain them.

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.

Where the authority sits

The filed PDF is linked from this page and runs 13 pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

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. Against that sits the $75 annual fee, which is unavoidable once the account is open.