These Pricing Disclosures are part of the Cardholder Agreement.

These Pricing Disclosures are part of the Cardholder Agreement., as filed by Bank of Missouri, the, carries a 34.99% purchase APR and a $75 annual fee. Against the 4,587 filings on this site, that rate lands around the 84th percentile.

What this filing discloses

Bank of Missouri, the submitted the terms for These Pricing Disclosures are part of the Cardholder Agreement. to the CFPB's agreement database; this is what they contain. The filing runs 15 pages.

On the record here: a purchase rate, a cash advance rate, an annual fee line and a late payment maximum. A balance transfer rate, a penalty rate and a foreign transaction fee are not stated.

How the purchase rate compares

Measured against every other filing on the site, 34.99% is about the 84th percentile for purchase APR; it is costlier than the large majority of filings here.

Translating the rate into money

The purchase rate turns a $2,000 revolving balance into roughly $837 of annual interest.

On a median-priced agreement from this index (21.99%) the same $2,000 would run about $492 a year, so this card costs in the region of $346 more annually for the identical balance.

There is also a floor: the filing sets a minimum interest charge of $1, so any cycle that accrues less than that is billed at $1 anyway.

That maths assumes a static balance and nothing else — no payments, no additional purchases, no fees folded in.

The fee structure

$75 a year is the disclosed annual fee, which ranks near the 90th percentile of the fees filed across this corpus.

For scale, $75 is approximately what $214 of revolving balance would cost in interest over twelve months at this card's 34.99% rate.

Year one is free of the fee per the filing; $75 applies thereafter.

Taking cash against the card means a cash advance APR of 34.99%.

When a payment is late

$41 is the disclosed ceiling on a late payment fee, placing it near the 89th percentile of the set.

Paying in full

A minimum interest charge of $1 applies in any cycle where interest is due, which makes very small revolving balances disproportionately expensive.

The limits of this document

Absent from the captured terms: balance transfer terms, a foreign transaction fee, a grace period 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.

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

There are 120 filings from Bank of Missouri, the in this index. Across that lineup purchase rates span 24.9% to 36%; this filing's 34.99% sits above 18 of the comparable ones.

Among the issuer's other filings that disclose a fee, 36 of 79 come in below this card's $75.

Reading the agreement yourself

The filed PDF is linked from this page and runs 15 pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

This is an expensive agreement by the standards of the corpus, driven by a 34.99% purchase rate that is inert for a transactor and punishing for a revolver. Note that the $75 annual fee falls due whether the card is used or not.