M 141216 750 TBOM Std Rewards

Bank of Missouri, the's filed agreement for M 141216 750 TBOM Std Rewards discloses a 35.9% purchase APR and a $125 annual fee. Against the 4,587 filings on this site, that rate lands around the 91st percentile.

What the document actually states

What follows is drawn entirely from Bank of Missouri, the's CFPB filing for M 141216 750 TBOM Std Rewards. The filing runs 13 pages.

The disclosure covers 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.

The purchase rate in context

35.9% puts the purchase APR near the 91st percentile across 2,280 agreements, so it is well above what most issuers disclosed.

The cost of carrying a balance

Carry $4,000 on this card for a year without paying it down and the purchase rate alone generates roughly $1,727 in interest.

A card priced at the corpus median of 21.99% would charge roughly $983 on that balance. This one charges about $743 more per year.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

The no-interest path

25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. That matches the 25-day median across the corpus almost exactly.

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

When a payment is late

Late payments are capped at $41 under this filing, about the 89th percentile of late fee maximums in the corpus.

The fee structure

The annual fee is $125, charged whether or not the card is used. Against the filings here that disclose a fee, that sits at roughly the 95th percentile.

For scale, $125 is approximately what $348 of revolving balance would cost in interest over twelve months at this card's 35.9% rate.

Taking cash against the card means a cash advance fee of $10 or 3% of the advance, whichever is greater and a cash advance APR of 35.9%.

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.

The issuer's other agreements

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 35.9% is more expensive than 19 of them.

Its $125 annual fee is higher than 50 of the 79 sibling filings that state one.

What you cannot learn from the filing

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, 13 pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

This is an expensive agreement by the standards of the corpus, driven by a 35.9% purchase rate that is inert for a transactor and punishing for a revolver. The $125 annual fee is charged regardless of use, so it is a cost that applies even to an account that never revolves.