M 141217 750 TBOM Std

The M 141217 750 Tbom Std filing from Bank of Missouri, the sets out a 35.9% purchase APR and a $125 annual fee. That purchase rate ranks near the 91st percentile across this corpus of 4,587 filings.

What the agreement puts on the record

M 141217 750 Tbom Std is one of the agreements Bank of Missouri, the has on file with the CFPB. The filing runs 13 pages.

Terms captured from the document include a purchase rate, a cash advance rate, an annual fee line, a late payment maximum and a foreign transaction fee. A balance transfer rate and a penalty rate are not stated.

The purchase APR against the corpus

35.9% puts the purchase APR near the 91st percentile across 2,280 agreements, so it lands high in the distribution.

What the rate means in dollars

Carry $1,200 on this card for a year without paying it down and the purchase rate alone generates roughly $518 in interest.

On a median-priced agreement from this index (21.99%) the same $1,200 would run about $295 a year, so this card costs in the region of $223 more annually for the identical balance.

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 downside terms

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

Charges beyond interest

$125 a year is the disclosed annual fee, which ranks near the 95th percentile of the fees filed across this corpus.

Cash advances carry a cash advance fee of $10 or 3% of the advance, whichever is greater and a cash advance APR of 35.9%. Advances under roughly $333 are charged the flat $10; larger ones are charged 3%.

The filing sets a 3% foreign transaction fee, which adds roughly $60 to $2,000 spent outside the United States.

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

The grace period

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

Inside Bank of Missouri, the's filed lineup

Bank of Missouri, the has 120 agreements indexed on this site. The issuer's own range is 24.9%–36%. At 35.9%, this agreement is dearer than 19 of its siblings.

Among the issuer's other filings that disclose a fee, 50 of 79 come in below this card's $125.

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.

Go to the source

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

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. Against that sits the $125 annual fee, which is unavoidable once the account is open.