Tabular Signature

On the record for Tabular Signature 12 11 25: a purchase APR of 15.75%–23.75%, no annual fee and a 12-month 0% opening period, filed by Simmons Bank. Against the 4,587 filings on this site, that rate lands around the 56th percentile.

What the document actually states

This page covers the agreement Simmons Bank filed for Tabular Signature 12 11 25. The filing runs four pages, and It is issued on the Visa network.

Terms captured from the document include 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.

The interest-free window

A 12-month promotional period at 0% is on the record here — during it, qualifying balances cost nothing to carry.

Roughly 458 of the 4,587 filings indexed here disclose a zero-percent introductory rate, so this is a real feature of the document but not a rare one.

Once the introductory period ends the rate becomes 23.75%, which turns a lingering $1,000 balance into approximately $268 of annual interest.

Put the other way round, the 12-month zero rate is worth roughly $268 on a $1,000 balance relative to paying the go-to rate from day one — a real figure, but one that only materialises for someone who was going to carry that balance anyway.

The purchase rate in context

Purchases price between 15.75% and 23.75% under this filing. The 8-point gap between the two is material, and nothing in the agreement indicates where a given account would land.

Read against the index, the low end ranks around the 38th percentile and the high end around the 56th — the band straddles a wide stretch of the market this corpus describes.

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

A $1,500 balance left untouched for twelve months accrues about $402 in interest at this purchase rate.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $369. The gap — roughly $33 a year on $1,500 — is the price of this particular filing over a typical one.

Broken down to a single thirty-day cycle, the same balance accrues roughly $29.56.

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.

The fee structure

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.

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 19.75%. 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.

The filing discloses a 15.75% balance transfer rate without an accompanying fee figure.

The filing sets a 2% foreign transaction fee, which adds roughly $60 to $3,000 spent outside the United States.

Default pricing

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

Grace period and minimum charge

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.

Inside Simmons Bank's filed lineup

Simmons Bank has 124 agreements indexed on this site. Across that lineup purchase rates span 18.25% to 28.24%; this filing's 23.75% sits above 43 of the comparable ones.

On fees, 114 of the 118 sibling filings that disclose an annual fee also set it at zero — this one is among them.

What the filing does not tell you

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.

Where the authority sits

The filed PDF is linked from this page and runs four pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

At 23.75% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers.