Tabular Foundation

The Tabular Foundation 6 18 25 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.

What the agreement puts on the record

Tabular Foundation 6 18 25 is one of the agreements Simmons Bank has on file with the CFPB. It is issued on the Visa network and the filing runs two pages.

On the record here: 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.

The purchase rate in context

27.24% puts the purchase APR near the 66th percentile across 2,280 agreements, so it sits in the more expensive half.

The filing marks this rate as variable, which means it moves with the index the agreement names rather than staying where it is quoted today.

What a balance actually costs

Carry $3,000 on this card for a year without paying it down and the purchase rate alone generates roughly $939 in interest.

Against the corpus median of 21.99%, that is approximately $201 a year of extra interest on the same $3,000.

Per statement cycle that is on the order of $67.90 on $3,000, which is the number that actually shows up on a bill.

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.

The fee structure

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.

Cash advances carry 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 transfer fee is a flat $0; transferred balances then run at 27.24%.

The filing sets a 2% foreign transaction fee, which adds roughly $100 to $5,000 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 no-interest path

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.

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.

What you cannot learn from the filing

This page cannot tell you penalty pricing, because the filing's disclosure table as read does not contain it.

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

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.