Tabular Signature

Tabular Signature 7 31 24, as filed by Simmons Bank, carries 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 7 31 24 with the Consumer Financial Protection Bureau. The filing runs four pages, and It is issued on the Visa network.

The disclosure covers 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 interest-free window

The filing discloses a 0% introductory rate running 12 months. For that window, balances covered by the promotion accrue no interest at all.

About 458 agreements in this corpus carry a zero-percent opening rate; this is one of them.

The go-to rate is 25.5%. Any balance still outstanding when the promotion lapses starts accruing at that figure — about $581 a year on $2,000.

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.

The purchase rate in context

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

The cost of carrying a balance

The purchase rate turns a $3,000 revolving balance into roughly $871 of annual interest.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $738. The gap — roughly $133 a year on $3,000 — is the price of this particular filing over a typical one.

That maths assumes a static balance and nothing else — no payments, no additional purchases, no fees folded in.

Default pricing

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

Fees, and what triggers them

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 21.5%. The two halves of that fee cross at about $133: below it the flat $4 applies, above it the percentage does.

Transferred balances are priced at 17.5%; no separate transfer fee was captured from the filing.

Spending abroad costs an extra 2% — about $100 on $5,000 of purchases, independent of interest.

The grace period

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 issuer's other agreements

Simmons Bank has 124 agreements indexed on this site. The issuer's own range is 18.25%–28.24%. At 25.5%, this agreement is dearer than 80 of its siblings.

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

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.

Reading the agreement yourself

This summary stands or falls on the linked PDF — four pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

The pricing here is middling by the standards of the index — 25.5% on purchases is near enough to typical.