Card Services Visa Card Pricing Addendum

The Card Services Visa Card Pricing Addendum filing from UMB Bank sets out a 24.99% purchase APR, no annual fee and a 32% introductory rate. The purchase rate sits at roughly the 60th percentile of the 4,587 agreements indexed here.

What the agreement puts on the record

This page covers the agreement UMB Bank filed for Card Services Visa Card Pricing Addendum. The filing runs one page, and It is issued on the Visa network.

On the record here: a purchase rate, a balance transfer rate, an annual fee line, a foreign transaction fee and a grace period. It is silent on a cash advance rate, a penalty rate and a late payment maximum.

The promotional period

The filing discloses an introductory rate of 32% but no term for it.

Among the 763 filings here that disclose an introductory rate, 32% sits at about the 100th percentile.

Behind the promotion sits a 24.99% purchase rate. On $3,000 that is in the region of $851 a year once the window closes.

Pricing the purchase rate

Set beside the rest of the index, the purchase APR of 24.99% lands at the 60th percentile; it runs above the midpoint of the corpus.

Because the rate is variable, the figure quoted is tied to an index and will drift with it. Nothing here is a fixed commitment.

This figure is the post-promotional rate. The introductory pricing is handled separately further down.

The arithmetic of revolving

The purchase rate turns a $2,000 revolving balance into roughly $568 of annual interest.

A card priced at the corpus median of 21.99% would charge roughly $492 on that balance. This one charges about $76 more per year.

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

Where the fees are

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 $50.

Transferred balances are priced at 21.99%; no separate transfer fee was captured from the filing.

The filing sets a 2% foreign transaction fee, which adds roughly $30 to $1,500 spent outside the United States.

The grace period

The filing gives 21 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. That is shorter than the 25-day corpus median.

Where interest applies at all, the filing bills at least $0.50. On a tiny balance that floor can dwarf the rate itself.

Against the rest of UMB Bank's filings

UMB Bank has 12 agreements indexed on this site. Their disclosed purchase rates run from 18% to 36%, and this one at 24.99% is more expensive than 4 of them.

3 of the issuer's other 4 disclosing filings are likewise fee-free.

What you cannot learn from the filing

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

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

Go to the source

The original filing, 1 page 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

24.99% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. Because there is no annual fee, everything depends on the revolving behaviour: used as a payment instrument and cleared monthly, this agreement costs nothing.