Tabular Foundation

The Tabular Foundation 12 15 22 filing from Simmons Bank sets out a 27.24% purchase APR and no annual fee. Against the 4,587 filings on this site, that rate lands around the 66th percentile.

The disclosed terms

The document behind this page is Simmons Bank's filed agreement for Tabular Foundation 12 15 22. The filing runs two pages, and It is issued on the Visa network.

The filing is explicit about a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. A penalty rate and a grace period are not stated.

How the purchase rate compares

Measured against every other filing on the site, 27.24% is about the 66th percentile for purchase APR; it sits in the more expensive half.

Because the rate is variable, the figure quoted is tied to an index and will drift with it. Nothing here is a fixed commitment.

What the rate means in dollars

At the disclosed purchase APR, $4,000 revolving for a full year costs something like $1,252 in interest.

Against the corpus median of 21.99%, that is approximately $268 a year of extra interest on the same $4,000.

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.

Where the fees are

There is no annual fee. That is the common case in this corpus — about 75% of the filings that disclose an annual fee at all disclose it as $0 — so it is a baseline expectation rather than a distinguishing feature.

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 28.24%. The premium over purchases is 1 percentage points. The grace period described below generally does not extend to cash advances, so interest on them usually begins immediately.

Balance transfers cost a flat $0 up front and then accrue at 27.24%.

The filing sets a 2% foreign transaction fee, which adds roughly $100 to $5,000 spent outside the United States.

Penalty pricing and late fees

On the fee side, a late payment can cost up to $39, which is around the 63rd percentile here.

The limits of this document

The disclosure parsed here does not state a grace period and penalty pricing. Those gaps are gaps in what could be read from the filing, and the PDF may well address them in prose the rate table does not capture.

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.

How it sits in the issuer's own range

124 separate Simmons Bank filings appear in the corpus. The issuer's own range is 18.25%–28.24%. At 27.24%, this agreement is dearer than 101 of its siblings.

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

27.24% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. With no annual fee, the cost of the account is entirely a function of whether a balance is carried.