Tabular Signature

Simmons Bank's filed agreement for Tabular Signature 3 20 24 discloses a purchase APR of 17.5%–25.5%, no annual fee and a 12-month 0% opening period. Against the 4,587 filings on this site, that rate lands around the 62nd percentile.

What the agreement puts on the record

Simmons Bank filed this agreement for Tabular Signature 3 20 24 with the Consumer Financial Protection Bureau. It is issued on the Visa network and the filing runs four pages.

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. It is silent on a penalty rate.

The promotional period

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.

What matters more than the promotion is the rate waiting behind it: 25.5%. A $2,000 balance that survives the promotional window costs roughly $581 a year from that point on.

The promotional window is therefore worth something on the order of $581 on $2,000, measured against the same balance priced at the standard rate for the same period.

Where the purchase APR sits

This is a tiered agreement: the filing discloses a purchase APR anywhere from 17.5% to 25.5%, a spread of 8 percentage points. Which end of that band applies is set by the issuer at account opening and the filing does not say how.

Those two numbers occupy very different places in the corpus: roughly the 47th percentile at the bottom and the 62nd at the top.

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.

Translating the rate into money

A $1,500 balance left untouched for twelve months accrues about $436 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 $67 a year on $1,500 — is the price of this particular filing over a typical one.

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.

When a payment is late

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

What the card costs before you borrow

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.

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 21.5%. $133 is the crossover point where the percentage overtakes the $4 minimum. The grace period described below generally does not extend to cash advances, so interest on them usually begins immediately.

The filing discloses a 17.5% balance transfer rate without an accompanying fee figure.

Foreign transactions attract 2%. On $2,000 of overseas spending that is $40, charged on top of whatever exchange rate applies.

The grace period

Purchases carry a 25-day grace period: pay the statement in full inside it and the purchase rate never applies.

Inside Simmons Bank's filed lineup

There are 124 filings from Simmons Bank in this index. The issuer's own range is 18.25%–28.24%. At 25.5%, this agreement is dearer than 80 of its siblings.

The limits of this document

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, four 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 — 25.5% on purchases is near enough to typical.