M 141221 750 TBOM Std CS AF Test

On the record for M 141221 750 TBOM Std CS AF Test: a 35.9% purchase APR and a $175 annual fee, filed by Bank of Missouri, the. That purchase rate ranks near the 91st percentile across this corpus of 4,587 filings.

On the face of the filing

The document behind this page is Bank of Missouri, the's filed agreement for M 141221 750 TBOM Std CS AF Test. The filing runs 13 pages.

Terms captured from the document include a purchase rate, a cash advance rate, an annual fee line, a late payment maximum and a foreign transaction fee. It is silent on a balance transfer rate and a penalty rate.

Where the purchase APR sits

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.

Translating the rate into money

The purchase rate turns a $2,500 revolving balance into roughly $1,079 of annual interest.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $615. The gap — roughly $464 a year on $2,500 — is the price of this particular filing over a typical one.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

What a missed payment costs

Late payments are capped at $41 under this filing, about the 89th percentile of late fee maximums in the corpus.

Charges beyond interest

The annual fee is $175, charged whether or not the card is used. Against the filings here that disclose a fee, that sits at roughly the 96th percentile.

One way to size that fee: at the card's own purchase rate of 35.9%, $175 is roughly the interest a balance of about $487 would generate in a year. The fee is a fixed cost that behaves like perpetual interest on that much debt.

For cash advances the filing discloses a cash advance fee of $10 or 3% of the advance, whichever is greater and a cash advance APR of 35.9%.

The filing sets a 3% foreign transaction fee, which adds roughly $60 to $2,000 spent outside the United States.

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

The no-interest path

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

Inside Bank of Missouri, the's filed lineup

Bank of Missouri, the has 120 agreements indexed on this site. Their disclosed purchase rates run from 24.9% to 36%, and this one at 35.9% is more expensive than 19 of them.

Its $175 annual fee is higher than 65 of the 79 sibling filings that state one.

What is outside the disclosure

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.

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.

The document itself

This summary stands or falls on the linked PDF — 13 pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

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. Note that the $175 annual fee falls due whether the card is used or not.