M 137591 TBOM Cardholder Agreement Double Your Credit Limit 25 90% APR 5 4 23clean

On the record for M 137591 TBOM Cardholder Agreement Double Your Credit Limit 25 90% APR 5 4 23clean: a 25.9% purchase APR and a $99 annual fee, filed by Bank of Missouri, the. The purchase rate sits at roughly the 62nd percentile of the 4,587 agreements indexed here.

The disclosed terms

This page covers the agreement Bank of Missouri, the filed for M 137591 TBOM Cardholder Agreement Double Your Credit Limit 25 90% APR 5 4 23clean. The filing runs 13 pages.

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

Where the purchase APR sits

Measured against every other filing on the site, 25.9% is about the 62nd percentile for purchase APR; it 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

The purchase rate turns a $5,000 revolving balance into roughly $1,478 of annual interest.

A card priced at the corpus median of 21.99% would charge roughly $1,229 on that balance. This one charges about $248 more per year.

Per statement cycle that is on the order of $107.54 on $5,000, which is the number that actually shows up on a bill.

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.

Default pricing

On the fee side, a late payment can cost up to $41, which is around the 89th percentile here.

What the card costs before you borrow

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.

One way to size that fee: at the card's own purchase rate of 25.9%, $99 is roughly the interest a balance of about $382 would generate in a year. The fee is a fixed cost that behaves like perpetual interest on that much debt.

For cash advances the filing discloses a cash advance APR of 25.9%. Cash advances also tend to fall outside any grace period, which means interest typically starts on day one rather than at the end of a billing cycle.

Spending abroad costs an extra 3% — about $90 on $3,000 of purchases, independent of interest.

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

Grace period and minimum charge

25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing.

The filing sets the minimum interest charge at zero — small balances are not rounded up to a floor.

Inside Bank of Missouri, the's filed lineup

There are 120 filings from Bank of Missouri, the in this index. Their disclosed purchase rates run from 24.9% to 36%, and this one at 25.9% is more expensive than 5 of them.

What is outside the disclosure

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

This summary stands or falls on the linked PDF — 13 pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

25.9% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. Against that sits the $99 annual fee, which is unavoidable once the account is open.