M 141228 1000 TBOM Std Rewards

On the record for M 141228 1000 TBOM Std Rewards: a 35.9% purchase APR and a $125 annual fee, filed by Bank of Missouri, the. Against the 4,587 filings on this site, that rate lands around the 91st percentile.

What the document actually states

This page covers the agreement Bank of Missouri, the filed for M 141228 1000 TBOM Std Rewards. The filing runs 13 pages.

The disclosure covers 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 sits in the expensive end of the corpus.

The cost of carrying a balance

At the disclosed purchase APR, $1,200 revolving for a full year costs something like $518 in interest.

On a median-priced agreement from this index (21.99%) the same $1,200 would run about $295 a year, so this card costs in the region of $223 more annually for the identical balance.

Per statement cycle that is on the order of $35.92 on $1,200, which is the number that actually shows up on a bill.

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.

The grace period

The filing gives 25 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. 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.

Penalty pricing and late fees

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

Fees, and what triggers them

$125 a year is the disclosed annual fee, which ranks near the 95th percentile of the fees filed across this corpus.

For scale, $125 is approximately what $348 of revolving balance would cost in interest over twelve months at this card's 35.9% rate.

Taking cash against the card means 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.

Inside Bank of Missouri, the's filed lineup

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, 50 of 79 come in below this card's $125.

The limits of this document

Absent from the captured terms: balance transfer terms 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.

Where the authority sits

The original filing, 13 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

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. Against that sits the $125 annual fee, which is unavoidable once the account is open.