M 141207 500 TBOM Std wCCF

Bank of Missouri, the's filed agreement for M 141207 500 Tbom Std Wccf discloses a 35.9% purchase APR and no annual fee. Against the 4,587 filings on this site, that rate lands around the 91st percentile.

What the agreement puts on the record

Bank of Missouri, the submitted the terms for M 141207 500 Tbom Std Wccf to the CFPB's agreement database; this is what they contain. The filing runs 13 pages.

The filing is explicit about a purchase rate, a cash advance rate, an annual fee line, a late payment maximum and a foreign transaction fee. No figure appears for a balance transfer rate and a penalty rate.

How the purchase rate compares

Measured against every other filing on the site, 35.9% is about the 91st percentile for purchase APR; it is costlier than the large majority of filings here.

What the rate means in dollars

The purchase rate turns a $3,000 revolving balance into roughly $1,295 of annual interest.

A card priced at the corpus median of 21.99% would charge roughly $738 on that balance. This one charges about $557 more per year.

Month to month it reads as about $89.79 per cycle on that balance.

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

Where the fees are

No annual fee appears in the filing, in line with the roughly 75% of disclosing agreements in this index that charge nothing to hold the card.

For cash advances the filing discloses a cash advance fee of $0 and a cash advance APR of 35.9%. Cash advances also tend to fall outside any grace period, which means interest typically starts on day one rather than at the end of a billing cycle.

Foreign transactions attract 3%. On $5,000 of overseas spending that is $150, charged on top of whatever exchange rate applies.

That is at the high end of this corpus — around the 91st percentile of disclosed foreign transaction fees.

The downside terms

The maximum late fee is $41 — roughly the 89th percentile of the late fee ceilings disclosed across this index.

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.

The filing sets the minimum interest charge at zero — small balances are not rounded up to a floor.

What you cannot learn from the filing

The disclosure parsed here does not state balance transfer terms and penalty pricing. Those gaps are gaps in what could be read from the filing, and the PDF may well address them in prose the rate table does not capture.

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

How it sits in the issuer's own range

Bank of Missouri, the has 120 agreements indexed on this site. Across that lineup purchase rates span 24.9% to 36%; this filing's 35.9% sits above 19 of the comparable ones.

Reading the agreement yourself

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

The defining fact about this filing is the purchase rate: at 35.9% it is in the expensive band of this corpus, and that cost only materialises for someone who revolves a balance.