M 135112 Cerulean Cardholder Agreement Double Your Credit Limit 25 90% APR SH 1 3 22clean

Bank of Missouri, the's filed agreement for M 135112 Cerulean Cardholder Agreement Double Your Credit Limit 25 90% APR SH 1 3 22clean discloses a 25.9% purchase APR and a $99 annual fee. The purchase rate sits at roughly the 62nd percentile of the 4,587 agreements indexed here.

On the face of the filing

Bank of Missouri, the submitted the terms for M 135112 Cerulean Cardholder Agreement Double Your Credit Limit 25 90% APR SH 1 3 22clean to the CFPB's agreement database; this is what they contain. The filing runs 12 pages.

The filing is explicit about a purchase rate, a cash advance rate, an annual fee line, a late payment maximum and a foreign transaction fee. No figure appears for a balance transfer rate and a penalty rate.

How the purchase rate compares

Ranked against the corpus, this purchase APR — 25.9% — sits at approximately the 62nd percentile and runs above the midpoint of the corpus.

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 arithmetic of revolving

A $1,200 balance left untouched for twelve months accrues about $355 in interest at this purchase rate.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $295. The gap — roughly $60 a year on $1,200 — 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.

Grace period and minimum charge

Anyone clearing the statement balance inside 25 days pays no purchase interest at all under this filing. That matches the 25-day median across the corpus almost exactly.

No minimum interest charge is imposed, so a cycle that accrues a few cents of interest is billed a few cents.

What a missed payment costs

The maximum late fee is $41 — roughly the 89th percentile of the late fee ceilings disclosed across this index.

The fee structure

The annual fee is $99, charged whether or not the card is used. Against the filings here that disclose a fee, that sits at roughly the 93rd percentile.

For scale, $99 is approximately what $382 of revolving balance would cost in interest over twelve months at this card's 25.9% rate.

Taking cash against the card means a cash advance APR of 25.9%.

Foreign transactions attract 3%. On $2,000 of overseas spending that is $60, charged on top of whatever exchange rate applies.

That is at the high end of this corpus — around the 91st percentile of disclosed foreign transaction fees.

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

120 separate Bank of Missouri, the filings appear in the corpus. The issuer's own range is 24.9%–36%. At 25.9%, this agreement is dearer than 5 of its siblings.

Its $99 annual fee is higher than 45 of the 79 sibling filings that state one.

The limits of this document

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

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.

Reading the agreement yourself

Everything here is a reading of the filed agreement, 12 pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

The pricing here is middling by the standards of the index — 25.9% on purchases is near enough to typical. Against that sits the $99 annual fee, which is unavoidable once the account is open.