Tabular Signature

Tabular Signature 9 18 24, as filed by Simmons Bank, carries a purchase APR of 17%–25%, no annual fee and a 12-month 0% opening period. That purchase rate ranks near the 61st percentile across this corpus of 4,587 filings.

What the agreement puts on the record

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

What the promotional rate is worth

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

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

What matters more than the promotion is the rate waiting behind it: 25%. A $2,000 balance that survives the promotional window costs roughly $568 a year from that point on.

Valued honestly, 12 months at zero on $2,000 avoids about $568 of interest compared with the go-to rate — the whole of what the promotion delivers.

Where the purchase APR sits

This is a tiered agreement: the filing discloses a purchase APR anywhere from 17% to 25%, 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 45th percentile at the bottom and the 61st 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.

Translating the rate into money

At the disclosed purchase APR, $1,500 revolving for a full year costs something like $426 in interest.

A card priced at the corpus median of 21.99% would charge roughly $369 on that balance. This one charges about $57 more per year.

Month to month it reads as about $31.13 per cycle on that balance.

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

Fees, and what triggers them

No annual fee appears in the filing, in line with the roughly 75% of disclosing agreements in this index that charge nothing to hold the card.

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 21%. The grace period described below generally does not extend to cash advances, so interest on them usually begins immediately.

Transferred balances are priced at 17%; no separate transfer fee was captured from the filing.

Spending abroad costs an extra 2% — about $20 on $1,000 of purchases, independent of interest.

The downside terms

Late payments are capped at $39 under this filing, about the 63rd percentile of late fee maximums in the corpus.

The no-interest path

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

What is outside the disclosure

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

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.

Inside Simmons Bank's filed lineup

Simmons Bank has 124 agreements indexed on this site. Their disclosed purchase rates run from 18.25% to 28.24%, and this one at 25% is more expensive than 73 of them.

Where the authority sits

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

25% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. With no annual fee, the cost of the account is entirely a function of whether a balance is carried.