Tabular Signature

Simmons Bank's filed agreement for Tabular Signature 9 18 25 discloses a purchase APR of 16.25%–24.25%, no annual fee and a 12-month 0% opening period. That purchase rate ranks near the 59th percentile across this corpus of 4,587 filings.

What this filing discloses

What follows is drawn entirely from Simmons Bank's CFPB filing for Tabular Signature 9 18 25. 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. A penalty rate is not stated.

The promotional period

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: 24.25%. A $2,500 balance that survives the promotional window costs roughly $686 a year from that point on.

Valued honestly, 12 months at zero on $2,500 avoids about $686 of interest compared with the go-to rate — the whole of what the promotion delivers.

Where the purchase APR sits

Purchases price between 16.25% and 24.25% 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 40th percentile and the high end around the 59th — the band straddles a wide stretch of the market this corpus describes.

This is disclosed as a variable rate. The number above is a snapshot: it tracks an index, so it changes without the agreement being amended.

The cost of carrying a balance

At the disclosed purchase APR, $1,200 revolving for a full year costs something like $329 in interest.

A card priced at the corpus median of 21.99% would charge roughly $295 on that balance. This one charges about $34 more per year.

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.

Charges beyond interest

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.

Cash advances carry a cash advance fee of $4 or 3% of the advance, whichever is greater and a cash advance APR of 20.25%.

Transferred balances are priced at 16.25%; no separate transfer fee was captured from the filing.

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

Penalty pricing and late fees

$39 is the disclosed ceiling on a late payment fee, placing it near the 63rd percentile of the set.

Paying in full

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.

How it sits in the issuer's own range

This is one of 124 Simmons Bank agreements collected here. Across that lineup purchase rates span 18.25% to 28.24%; this filing's 24.25% sits above 53 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

Absent from the captured terms: penalty pricing. The original document is the place to look for any of these.

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

The original filing, 4 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

In short

At 24.25% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers.