M 141681 500 tbom

The M 141681 500 tbom filing from Bank of Missouri, the sets out a 35.9% purchase APR and a $125 annual fee. Against the 4,587 filings on this site, that rate lands around the 91st percentile.

The disclosed terms

What follows is drawn entirely from Bank of Missouri, the's CFPB filing for M 141681 500 tbom. The filing runs four 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.

How the purchase rate compares

Ranked against the corpus, this purchase APR — 35.9% — sits at approximately the 91st percentile and lands high in the distribution.

What the rate means in dollars

At the disclosed purchase APR, $4,000 revolving for a full year costs something like $1,727 in interest.

A card priced at the corpus median of 21.99% would charge roughly $983 on that balance. This one charges about $743 more per year.

Month to month it reads as about $119.73 per cycle on that balance.

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.

Charges beyond interest

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

Expressed in the card's own terms, the $125 fee equals about a year's interest on a $348 balance at the disclosed 35.9% purchase rate.

Cash advances carry a cash advance fee of $0 and a cash advance APR of 35.9%. 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.

Foreign transactions attract 3%. On $1,000 of overseas spending that is $30, charged on top of whatever exchange rate applies.

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

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.

Grace period and minimum charge

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.

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

120 separate Bank of Missouri, the filings appear in the corpus. The issuer's own range is 24.9%–36%. At 35.9%, this agreement is dearer than 19 of its siblings.

Its $125 annual fee is higher than 50 of the 79 sibling filings that state one.

What is outside the disclosure

This page cannot tell you balance transfer terms and penalty pricing, because the filing's disclosure table as read does not contain them.

What this analysis can address is bounded by the filing: rates, fees and the terms around them. Everything a card issuer might advertise — rewards, benefits, bonuses, who qualifies — falls outside the document and outside this review.

The document itself

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

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 $125 annual fee is charged regardless of use, so it is a cost that applies even to an account that never revolves.