M 141236 1500 TBOM Std

M 141236 1500 Tbom Std, as filed by Bank of Missouri, the, carries 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 the document actually states

This page covers the agreement Bank of Missouri, the filed for M 141236 1500 Tbom Std. 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

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.

What the rate means in dollars

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

A card priced at the corpus median of 21.99% would charge roughly $295 on that balance. This one charges about $223 more per year.

Broken down to a single thirty-day cycle, the same balance accrues roughly $35.92.

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.

Paying in full

25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing.

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.

Where the fees are

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

One way to size that fee: at the card's own purchase rate of 35.9%, $49 is roughly the interest a balance of about $136 would generate in a year. The fee is a fixed cost that behaves like perpetual interest on that much debt.

Cash advances carry a cash advance fee of $10 or 3% of the advance, whichever is greater and a cash advance APR of 35.9%. $333 is the crossover point where the percentage overtakes the $10 minimum. The grace period described below generally does not extend to cash advances, so interest on them usually begins immediately.

The filing sets a 3% foreign transaction fee, which adds roughly $90 to $3,000 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

There are 120 filings from Bank of Missouri, the in this index. 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

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.

The document itself

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

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. Note that the $49 annual fee falls due whether the card is used or not.