Tabular Foundation

On the record for Tabular Foundation 9 18 24: a 27.74% purchase APR and no annual fee, filed by Simmons Bank. Against the 4,587 filings on this site, that rate lands around the 67th percentile.

On the face of the filing

This page covers the agreement Simmons Bank filed for Tabular Foundation 9 18 24. 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. No figure appears for a penalty rate.

The purchase rate in context

At 27.74%, the purchase APR falls at roughly the 67th percentile of the 2,280 filings indexed here, which is dearer than the typical filing.

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

Put $2,000 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $639.

On a median-priced agreement from this index (21.99%) the same $2,000 would run about $492 a year, so this card costs in the region of $147 more annually for the identical balance.

Broken down to a single thirty-day cycle, the same balance accrues roughly $46.11.

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.

Cash advances carry a cash advance fee of $4 or 3% of the advance, whichever is greater and a cash advance APR of 28.74%. The premium over purchases is 1 percentage points. Advances under roughly $133 are charged the flat $4; larger ones are charged 3%.

Balance transfers cost a flat $0 up front and then accrue at 27.74%.

Foreign transactions attract 2%. On $1,000 of overseas spending that is $20, charged on top of whatever exchange rate applies.

Grace period and minimum charge

Purchases carry a 25-day grace period: pay the statement in full inside it and the purchase rate never applies. That matches the 25-day median across the corpus almost exactly.

The downside terms

The maximum late fee is $39 — roughly the 63rd percentile of the late fee ceilings disclosed across this index.

Inside Simmons Bank's filed lineup

There are 124 filings from Simmons Bank in this index. Across that lineup purchase rates span 18.25% to 28.24%; this filing's 27.74% sits above 109 of the comparable ones.

114 of the issuer's other 118 disclosing filings are likewise fee-free.

What you cannot learn from the filing

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.

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 — 27.74% on purchases is near enough to typical.