Tabular Foundation

On the record for Tabular Foundation 3 24 22: a 20.24% purchase APR and a $25 annual fee, filed by Simmons Bank. Against the 4,587 filings on this site, that rate lands around the 43rd percentile.

What the agreement puts on the record

Tabular Foundation 3 24 22 is one of the agreements Simmons Bank has on file with the CFPB. The filing runs one page, and It is issued on the Visa network.

The disclosure covers 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 and a grace period.

The purchase APR against the corpus

Set beside the rest of the index, the purchase APR of 20.24% lands at the 43rd percentile; it lands near the median.

The agreement labels the purchase rate variable, so the quoted figure reflects the index at the time of filing rather than a locked-in price.

What a balance actually costs

The purchase rate turns a $1,000 revolving balance into roughly $224 of annual interest.

Measured against the 21.99% corpus median, the same $1,000 costs approximately $22 less per year here.

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.

What a missed payment costs

Late payments are capped at $39 under this filing, about the 63rd percentile of late fee maximums in the corpus.

What the card costs before you borrow

The annual fee is $25, charged whether or not the card is used. Against the filings here that disclose a fee, that sits at roughly the 78th percentile.

Expressed in the card's own terms, the $25 fee equals about a year's interest on a $124 balance at the disclosed 20.24% purchase rate.

For cash advances the filing discloses a cash advance fee of $4 or 3% of the advance, whichever is greater and a cash advance APR of 24.24%. The premium over purchases is 4 percentage points. $133 is the crossover point where the percentage overtakes the $4 minimum.

Balance transfers cost a flat $0 up front and then accrue at 20.24%.

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

How it sits in the issuer's own range

124 separate Simmons Bank filings appear in the corpus. Their disclosed purchase rates run from 18.25% to 28.24%, and this one at 20.24% is more expensive than 4 of them.

The limits of this document

This page cannot tell you a grace period 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.

The document itself

The original filing, 1 page 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 pricing here is middling by the standards of the index — 20.24% on purchases is near enough to typical. Against that sits the $25 annual fee, which is unavoidable once the account is open.