Milestone Mastercard Cardholder Agreement

Bank of Missouri, the's filed agreement for Milestone Mastercard Cardholder Agreement 336 discloses a 35.9% purchase APR. Against the 4,587 filings on this site, that rate lands around the 91st percentile.

What the document actually states

Milestone Mastercard Cardholder Agreement 336 is one of the agreements Bank of Missouri, the has on file with the CFPB. The filing runs 13 pages, and It is issued on the Mastercard network.

On the record here: a purchase rate, a late payment maximum, a foreign transaction fee and a grace period. A cash advance rate, a balance transfer rate and a penalty rate are not stated.

Where the purchase APR sits

The purchase APR of 35.9% places this agreement around the 91st percentile of the set — it is well above what most issuers disclosed.

What the rate means in dollars

The purchase rate turns a $1,000 revolving balance into roughly $432 of annual interest.

A card priced at the corpus median of 21.99% would charge roughly $246 on that balance. This one charges about $186 more per year.

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 fee structure

For cash advances the filing discloses a cash advance fee of $5 or 5% of the advance, whichever is greater. $100 is the crossover point where the percentage overtakes the $5 minimum.

Foreign transactions attract 1%. On $5,000 of overseas spending that is $50, charged on top of whatever exchange rate applies.

When a payment is late

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

Grace period and minimum charge

25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. That matches the 25-day median across the corpus almost exactly.

A minimum interest charge of $1 applies in any cycle where interest is due, which makes very small revolving balances disproportionately expensive.

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

Bank of Missouri, the has 120 agreements indexed on this site. Across that lineup purchase rates span 24.9% to 36%; this filing's 35.9% sits above 19 of the comparable ones.

What the filing does not tell you

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

More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.

Go to the source

This summary stands or falls on the linked PDF — 13 pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

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.