Tabular Foundation

Tabular Foundation 4 29 26, as filed by Simmons Bank, carries a 26.49% purchase APR and no annual fee. That purchase rate ranks near the 63rd percentile across this corpus of 4,587 filings.

The disclosed terms

Simmons Bank submitted the terms for Tabular Foundation 4 29 26 to the CFPB's agreement database; this is what they contain. It is issued on the Visa network and the filing runs two pages.

The disclosure covers a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. A penalty rate is not stated.

Where the purchase APR sits

26.49% puts the purchase APR near the 63rd percentile across 2,280 agreements, so it runs above the midpoint of the corpus.

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 $2,500 revolving balance into roughly $758 of annual interest.

A card priced at the corpus median of 21.99% would charge roughly $615 on that balance. This one charges about $143 more per year.

Month to month it reads as about $55.01 per cycle on that balance.

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 the card costs before you borrow

No annual fee appears in the filing, in line with the roughly 75% of disclosing agreements in this index that charge nothing to hold the card.

Cash advances carry a cash advance fee of $4 or 3% of the advance, whichever is greater and a cash advance APR of 27.49%. That is 1 points above the purchase rate. Advances under roughly $133 are charged the flat $4; larger ones are charged 3%. 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.

Balance transfers cost a flat $0 up front and then accrue 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

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

The grace period

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 issuer's other agreements

Simmons Bank has 124 agreements indexed on this site. Their disclosed purchase rates run from 18.25% to 28.24%, and this one at 26.49% is more expensive than 95 of 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.

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

Everything here is a reading of the filed agreement, two pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

The pricing here is middling by the standards of the index — 26.49% on purchases is near enough to typical. The absence of an annual fee means the rate is the only thing that can make this card expensive.