Cardmember Agreement Rates and Fees Table

The Cardmember Agreement Rates and Fees Table filing from JPMORGAN Chase Bank sets out no annual fee and a 29.99% penalty rate.

What the document actually states

JPMORGAN Chase Bank submitted the terms for Cardmember Agreement Rates and Fees Table to the CFPB's agreement database; this is what they contain. The filing runs 22 pages.

The filing is explicit about a cash advance rate, a balance transfer rate, a penalty rate, an annual fee line and a late payment maximum. It is silent on 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.

Paying in full

No minimum interest charge is imposed, so a cycle that accrues a few cents of interest is billed a few cents.

The downside terms

If the account defaults, the filing permits a rate of 29.99%. Among disclosing agreements here that ranks near the 61st percentile.

Late payments are capped at $40 under this filing, about the 72nd percentile of late fee maximums in the corpus.

The fee structure

There is no annual fee. That is the common case in this corpus — about 75% of the filings that disclose an annual fee at all disclose it as $0 — so it is a baseline expectation rather than a distinguishing feature.

Cash advances carry a cash advance fee of $10 or 5% of the advance, whichever is greater and a cash advance APR of 28.49%. Advances under roughly $200 are charged the flat $10; larger ones are charged 5%. The grace period described below generally does not extend to cash advances, so interest on them usually begins immediately.

Moving a balance onto this card carries an up-front charge of $5 or 5% of the amount transferred, whichever is greater, with the transferred balance priced at 18.24%. On $3,000 that fee is about $150 before any interest is charged.

The foreign transaction fee is zero — a minority position in this corpus, where roughly 22% of disclosing filings waive it.

The issuer's other agreements

JPMORGAN Chase Bank has 26 agreements indexed on this site.

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

What you cannot learn from the filing

Absent from the captured terms: a purchase rate and a grace period. 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.

Where the authority sits

The original filing, 22 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

All of this rests on figures read from the filing with less than full confidence, which is reason enough to check the document before relying on any of it.