M 141233 2000 TBOM Std

Bank of Missouri, the's filed agreement for M 141233 2000 Tbom Std discloses a 35.9% purchase APR and a $49 annual fee. Against the 4,587 filings on this site, that rate lands around the 91st percentile.

What this filing discloses

The document behind this page is Bank of Missouri, the's filed agreement for M 141233 2000 Tbom Std. 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. A balance transfer rate and a penalty rate are not stated.

The purchase rate in context

35.9% puts the purchase APR near the 91st percentile across 2,280 agreements, so it is well above what most issuers disclosed.

What the rate means in dollars

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.

Month to month it reads as about $59.86 per cycle on that balance.

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

What the card costs before you borrow

$49 a year is the disclosed annual fee, which ranks near the 87th percentile of the fees filed across this corpus.

Expressed in the card's own terms, the $49 fee equals about a year's interest on a $136 balance at the disclosed 35.9% purchase rate.

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%. Advances under roughly $333 are charged the flat $10; larger ones are charged 3%. 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.

Spending abroad costs an extra 3% — about $150 on $5,000 of purchases, independent of interest.

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

What a missed payment costs

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

The grace period

Anyone clearing the statement balance inside 25 days pays no purchase interest at all under this filing. 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.

How it sits in the issuer's own range

120 separate Bank of Missouri, the filings appear in the corpus. Their disclosed purchase rates run from 24.9% to 36%, and this one at 35.9% is more expensive than 19 of them.

Among the issuer's other filings that disclose a fee, 27 of 79 come in below this card's $49.

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.

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.

Reading the agreement yourself

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

This is an expensive agreement by the standards of the corpus, driven by a 35.9% purchase rate that is inert for a transactor and punishing for a revolver. The $49 annual fee is charged regardless of use, so it is a cost that applies even to an account that never revolves.