Cardmember Agreement Rates and Fees Table

Cardmember Agreement Rates and Fees Table, as filed by JPMORGAN Chase Bank, carries a $149 annual fee, a 28.49% introductory rate and a 29.99% penalty rate.

What the agreement puts on the record

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

Terms captured from the document include 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.

The disclosure table in this document parsed only moderately cleanly; the numbers are reported as read, with that caveat attached.

Introductory pricing

An introductory rate of 28.49% appears without a disclosed duration.

Among the 763 filings here that disclose an introductory rate, 28.49% sits at about the 99th percentile.

Charges beyond interest

The annual fee is $149, charged whether or not the card is used. Against the filings here that disclose a fee, that sits at roughly the 96th percentile.

A first-year waiver applies according to the document — the $149 begins biting in year two.

For cash advances the filing discloses a cash advance fee of $10 or 5% of the advance, whichever is greater and a cash advance APR of 28.49%. The two halves of that fee cross at about $200: below it the flat $10 applies, above it the percentage does.

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 17.49%. Shifting $5,000 across attracts something like $250 in fees on day one.

Spending abroad costs an extra 3% — about $150 on $5,000 of purchases, independent of interest.

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

The downside terms

A penalty APR of 29.99% sits in this filing, applied when the account falls into default as the agreement defines it. Against the 794 filings here that disclose one, that is roughly the 61st percentile.

On the fee side, a late payment can cost up to $40, which is around the 72nd percentile here.

Grace period and minimum charge

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

The issuer's other agreements

There are 26 filings from JPMORGAN Chase Bank in this index.

Among the issuer's other filings that disclose a fee, 15 of 23 come in below this card's $149.

What the filing does not tell you

Absent from the captured terms: a purchase rate and a grace period. The original document is the place to look for any of these.

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

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

The $149 annual fee is charged regardless of use, so it is a cost that applies even to an account that never revolves. Given the parsing confidence on this filing, read the agreement itself before treating any of these figures as settled.