Milestone Mastercard Cardholder Agreement

Milestone Mastercard Cardholder Agreement 352, as filed by Bank of Missouri, the, carries a 35.9% purchase APR. The purchase rate sits at roughly the 91st percentile of the 4,587 agreements indexed here.

The disclosed terms

Milestone Mastercard Cardholder Agreement 352 is one of the agreements Bank of Missouri, the has on file with the CFPB. The filing runs 12 pages, and It is issued on the Mastercard network.

On the record here: a purchase rate, a late payment maximum and a grace period. It is silent on a cash advance rate, a balance transfer rate and a penalty rate.

These figures carry medium extraction confidence — they are reproduced as read from the filing, which remains the authority.

The purchase rate in context

Measured against every other filing on the site, 35.9% is about the 91st percentile for purchase APR; it lands high in the distribution.

What a balance actually costs

Put $3,000 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $1,295.

On a median-priced agreement from this index (21.99%) the same $3,000 would run about $738 a year, so this card costs in the region of $557 more annually for the identical balance.

Month to month it reads as about $89.79 per cycle on that balance.

Note the $1 minimum interest charge, which overrides the arithmetic above whenever the calculated interest falls below it.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

When a payment is late

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 $1 minimum interest charge means the effective cost of carrying a very small balance is far higher than the quoted APR implies.

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

This is one of 120 Bank of Missouri, the agreements collected here. Their disclosed purchase rates run from 24.9% to 36%, and this one at 35.9% is more expensive than 19 of them.

What the filing does not tell you

Absent from the captured terms: anything about cash advances, balance transfer terms, an annual fee and a foreign transaction fee. The original document is the place to look for any of these.

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 — 12 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. Extraction confidence here is not high, so the conclusions above are provisional on the PDF agreeing with them.