Cardmember Agreement Rates and Fees Table

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

What this filing discloses

The document behind this page is JPMORGAN Chase Bank's filed agreement 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.

Parsing confidence here is medium, so treat the figures as indicative of the filing rather than a substitute for it.

Fees, and what triggers them

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 $5 or 4% of the advance, whichever is greater and a cash advance APR of 28.49%. The grace period described below generally does not extend to cash advances, so interest on them usually begins immediately.

Balance transfers cost $5 or 4% of the amount transferred, whichever is greater up front and then accrue at 17.74%. Transferring $1,000 would cost roughly $40 at the door.

Foreign transactions carry no fee. Only about 22% of the filings here that disclose a foreign transaction fee set it at zero, so this is a genuine point of difference.

When a payment is late

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

$39 is the disclosed ceiling on a late payment fee, placing it near the 63rd percentile of the set.

The no-interest path

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

Inside JPMORGAN Chase Bank's filed lineup

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

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.

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.

Reading the agreement yourself

Everything here is a reading of the filed agreement, 22 pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

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.