Destiny Mastercard Cardholder Agreement

The Destiny Mastercard Cardholder Agreement 248 filing from Bank of Missouri, the sets out a 35.9% purchase APR and a $175 annual fee. That purchase rate ranks near the 91st percentile across this corpus of 4,587 filings.

What the document actually states

This page covers the agreement Bank of Missouri, the filed for Destiny Mastercard Cardholder Agreement 248. It is issued on the Mastercard network and the filing runs 14 pages.

On the record here: a purchase rate, an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. No figure appears for a cash advance rate, a balance transfer rate and a penalty rate.

How the purchase rate compares

Ranked against the corpus, this purchase APR — 35.9% — sits at approximately the 91st percentile and lands high in the distribution.

The cost of carrying a balance

The purchase rate turns a $3,000 revolving balance into roughly $1,295 of annual interest.

Against the corpus median of 21.99%, that is approximately $557 a year of extra interest on the same $3,000.

Month to month it reads as about $89.79 per cycle on that balance.

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.

The fee structure

The annual fee is $175, charged whether or not the card is used. Against the filings here that disclose a fee, that sits at roughly the 96th percentile.

For scale, $175 is approximately what $487 of revolving balance would cost in interest over twelve months at this card's 35.9% rate.

For cash advances the filing discloses a cash advance fee of $5 or 5% of the advance, whichever is greater. $100 is the crossover point where the percentage overtakes the $5 minimum.

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

When a payment is late

$41 is the disclosed ceiling on a late payment fee, placing it near the 89th percentile of the set.

Grace period and minimum charge

The filing gives 25 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest.

The $1 minimum interest charge means the effective cost of carrying a very small balance is far higher than the quoted APR implies.

What the filing does not tell you

This page cannot tell you balance transfer terms and penalty pricing, because the filing's disclosure table as read does not contain them.

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.

Against the rest of Bank of Missouri, the's filings

120 separate Bank of Missouri, the filings appear in the corpus. Their disclosed purchase rates run from 24.9% to 36%, and this one at 35.9% is more expensive than 19 of them.

Among the issuer's other filings that disclose a fee, 65 of 79 come in below this card's $175.

The document itself

The filed PDF is linked from this page and runs 14 pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

35.9% on purchases is the number that dominates this agreement. Paid in full each cycle it never applies; carried, it is among the dearer prices in this index. Against that sits the $175 annual fee, which is unavoidable once the account is open.