Cardmember Agreement Rates and Fees Table

On the record for Cardmember Agreement Rates and Fees Table: no annual fee, a 19.74% introductory rate and a 29.99% penalty rate, filed by JPMORGAN Chase Bank.

On the face of the filing

This page covers the agreement JPMORGAN Chase Bank filed for Cardmember Agreement Rates and Fees Table. The filing runs 22 pages.

The disclosure covers a cash advance rate, a balance transfer rate, a penalty rate, an annual fee line and a late payment maximum. No figure appears for a purchase rate and a grace period.

These figures carry medium extraction confidence — they are reproduced as read from the filing, which remains the authority.

Introductory pricing

An introductory rate of 19.74% appears without a disclosed duration.

Among the 763 filings here that disclose an introductory rate, 19.74% sits at about the 98th percentile.

Default pricing

The agreement discloses penalty pricing of 29.99% — about the 61st percentile of the 794 penalty rates recorded across this index.

The maximum late fee is $40 — roughly the 72nd percentile of the late fee ceilings disclosed across this index.

Where the fees are

No annual fee appears in the filing, in line with the roughly 75% of disclosing agreements in this index that charge nothing to hold the card.

Taking cash against the card means a cash advance fee of $10 or 5% of the advance, whichever is greater and a cash advance APR of 28.49%. 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.

The transfer fee is $5 or 5% of the amount transferred, whichever is greater; transferred balances then run at 19.74%. Shifting $2,000 across attracts something like $100 in fees on day one.

No foreign transaction fee is charged, which puts this filing in the roughly 22% of disclosing agreements here that do not take a cut of overseas spending.

Grace period and minimum charge

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

Against the rest of JPMORGAN Chase Bank's filings

This is one of 26 JPMORGAN Chase Bank agreements collected here.

On fees, 7 of the 23 sibling filings that disclose an annual fee also set it at zero — this one is among them.

What is outside the disclosure

This page cannot tell you a purchase rate and a grace period, 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 — 22 pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

Given the parsing confidence on this filing, read the agreement itself before treating any of these figures as settled.