Tabular Foundation

Simmons Bank's filed agreement for Tabular Foundation 12 11 25 discloses a 26.49% purchase APR and no annual fee. The purchase rate sits at roughly the 63rd percentile of the 4,587 agreements indexed here.

What the document actually states

The document behind this page is Simmons Bank's filed agreement for Tabular Foundation 12 11 25. The filing runs two pages, and It is issued on the Visa network.

Terms captured from the document include a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. It is silent on a penalty rate.

Pricing the purchase rate

Ranked against the corpus, this purchase APR — 26.49% — sits at approximately the 63rd percentile and is dearer than the typical filing.

This is disclosed as a variable rate. The number above is a snapshot: it tracks an index, so it changes without the agreement being amended.

The arithmetic of revolving

The purchase rate turns a $1,000 revolving balance into roughly $303 of annual interest.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $246. The gap — roughly $57 a year on $1,000 — is the price of this particular filing over a typical one.

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.

What the card costs before you borrow

The annual fee is $0. Roughly 75% of filings here that state a fee state zero, so the absence of one is unremarkable in this market.

Taking cash against the card means a cash advance fee of $4 or 3% of the advance, whichever is greater and a cash advance APR of 27.49%. Cash is therefore 1 points dearer than buying something with the card. The two halves of that fee cross at about $133: below it the flat $4 applies, above it the percentage does. 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.

Moving a balance onto this card carries an up-front charge of a flat $0, with the transferred balance priced at 26.49%.

The filing sets a 2% foreign transaction fee, which adds roughly $60 to $3,000 spent outside the United States.

The downside terms

$39 is the disclosed ceiling on a late payment fee, placing it near the 63rd percentile of the set.

The grace period

25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing.

Against the rest of Simmons Bank's filings

This is one of 124 Simmons Bank agreements collected here. The issuer's own range is 18.25%–28.24%. At 26.49%, this agreement is dearer than 95 of its siblings.

On fees, 114 of the 118 sibling filings that disclose an annual fee also set it at zero — this one is among them.

What the filing does not tell you

Absent from the captured terms: penalty pricing. The original document is the place to look for any of these.

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 — two pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

The pricing here is middling by the standards of the index — 26.49% on purchases is near enough to typical. With no annual fee, the cost of the account is entirely a function of whether a balance is carried.