Milestone Mastercard Cardholder Agreement

Milestone Mastercard Cardholder Agreement 355, 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 355 is one of the agreements Bank of Missouri, the has on file with the CFPB. The filing runs 14 pages, and It is issued on the Mastercard network.

Terms captured from the document include a purchase rate, a late payment maximum, a foreign transaction fee and a grace period. It is silent on a cash advance rate, a balance transfer rate and a penalty rate.

Where the purchase APR sits

35.9% puts the purchase APR near the 91st percentile across 2,280 agreements, so it lands high in the distribution.

The cost of carrying a balance

Put $4,000 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $1,727.

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.

Small balances do not get a proportionally small bill — the agreement imposes a $1 minimum interest charge in any month where interest applies.

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

Fees, and what triggers them

For cash advances the filing discloses a cash advance fee of $5 or 5% of the advance, whichever is greater. Advances under roughly $100 are charged the flat $5; larger ones are charged 5%.

The filing sets a 1% foreign transaction fee, which adds roughly $20 to $2,000 spent outside the United States.

Paying in full

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.

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

Penalty pricing and late fees

Late payments are capped at $41 under this filing, about the 89th percentile of late fee maximums in the corpus.

How it sits in the issuer's own range

This is one of 120 Bank of Missouri, the agreements collected here. The issuer's own range is 24.9%–36%. At 35.9%, this agreement is dearer than 19 of its siblings.

What is outside the disclosure

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

The filed PDF is linked from this page and runs 14 pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

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.