M 141234 2000 TBOM Std

Bank of Missouri, the's filed agreement for M 141234 2000 Tbom Std discloses a 35.9% purchase APR and a $49 annual fee. The purchase rate sits at roughly the 91st percentile of the 4,587 agreements indexed here.

The disclosed terms

This page covers the agreement Bank of Missouri, the filed for M 141234 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. No figure appears for a balance transfer rate and a penalty rate.

Pricing the purchase rate

At 35.9%, the purchase APR falls at roughly the 91st percentile of the 2,280 filings indexed here, which is costlier than the large majority of filings here.

The cost of carrying a balance

Carry $1,500 on this card for a year without paying it down and the purchase rate alone generates roughly $647 in interest.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $369. The gap — roughly $279 a year on $1,500 — is the price of this particular filing over a typical one.

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

The no-interest path

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

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

Charges beyond interest

The annual fee is $49, charged whether or not the card is used. Against the filings here that disclose a fee, that sits at roughly the 87th percentile.

For scale, $49 is approximately what $136 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 $150 to $5,000 spent outside the United States.

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

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

Bank of Missouri, the has 120 agreements indexed on this site. The issuer's own range is 24.9%–36%. At 35.9%, this agreement is dearer than 19 of its siblings.

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.

The document itself

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

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. The $49 annual fee is charged regardless of use, so it is a cost that applies even to an account that never revolves.