M 137593 $1K TBOM Cardholder Agreement Double Your CL5 4 23 Clean

The M 137593 $1K TBOM Cardholder Agreement Double Your CL5 4 23 Clean filing from Bank of Missouri, the sets out a 24.99% purchase APR and a $99 annual fee. Against the 4,587 filings on this site, that rate lands around the 60th percentile.

On the face of the filing

Bank of Missouri, the submitted the terms for M 137593 $1K TBOM Cardholder Agreement Double Your CL5 4 23 Clean to the CFPB's agreement database; this is what they contain. 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

Ranked against the corpus, this purchase APR — 24.99% — sits at approximately the 60th percentile and comes in above the median.

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 arithmetic of revolving

Put $5,000 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $1,419.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $1,229. The gap — roughly $190 a year on $5,000 — is the price of this particular filing over a typical one.

Broken down to a single thirty-day cycle, the same balance accrues roughly $103.72.

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.

When a payment is late

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

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.

Taking cash against the card means a cash advance APR of 24.99%. 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.

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.

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 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

120 separate Bank of Missouri, the filings appear in the corpus. The issuer's own range is 24.9%–36%. At 24.99%, this agreement is dearer than 4 of its siblings.

What the filing does not tell you

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

What this analysis can address is bounded by the filing: rates, fees and the terms around them. Everything a card issuer might advertise — rewards, benefits, bonuses, who qualifies — falls outside the document and outside this review.

Where the authority sits

The original filing, 13 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 24.99% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers. Against that sits the $99 annual fee, which is unavoidable once the account is open.