Cardmember Agreement Rates and Fees Table

Cardmember Agreement Rates and Fees Table, as filed by JPMORGAN Chase Bank, carries a $795 annual fee, a 18.24% introductory rate and a 29.99% penalty rate.

On the face of the filing

Cardmember Agreement Rates and Fees Table is one of the agreements JPMORGAN Chase Bank has on file with the CFPB. The filing runs 22 pages.

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

Parsing confidence here is medium, so treat the figures as indicative of the filing rather than a substitute for it.

The introductory rate

An introductory rate of 18.24% appears without a disclosed duration.

Among the 763 filings here that disclose an introductory rate, 18.24% sits at about the 97th percentile.

Penalty pricing and late fees

A penalty APR of 29.99% sits in this filing, applied when the account falls into default as the agreement defines it. Against the 794 filings here that disclose one, that is roughly the 61st percentile.

The maximum late fee is $40 — roughly the 72nd percentile of the late fee ceilings disclosed across this index.

Where the fees are

Holding the card costs $795 a year before any transaction takes place — about the 100th percentile among agreements in this index that state a fee.

Year one is free of the fee per the filing; $795 applies thereafter.

Cash advances carry a cash advance fee of $10 or 5% of the advance, whichever is greater and a cash advance APR of 28.49%. $200 is the crossover point where the percentage overtakes the $10 minimum.

The transfer fee is $5 or 5% of the amount transferred, whichever is greater; transferred balances then run at 18.24%. Transferring $1,000 would cost roughly $50 at the door.

The filing sets a 3% foreign transaction fee, which adds roughly $45 to $1,500 spent outside the United States.

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

The grace period

The filing sets the minimum interest charge at zero — small balances are not rounded up to a floor.

How it sits in the issuer's own range

26 separate JPMORGAN Chase Bank filings appear in the corpus.

Among the issuer's other filings that disclose a fee, 22 of 23 come in below this card's $795.

What is outside the disclosure

This page cannot tell you a purchase rate and a grace period, because the filing's disclosure table as read does not contain them.

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, 22 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

The $795 annual fee is charged regardless of use, so it is a cost that applies even to an account that never revolves. Extraction confidence here is not high, so the conclusions above are provisional on the PDF agreeing with them.