Disclosed rates and fees
Every figure below was read from this issuer's filed agreement. Anything the filing does not state is left out of this table rather than shown as zero.
| Balance transfer APR | 19.24% |
|---|---|
| Cash advance APR | 28.49% |
| Penalty APR | 29.99% |
| Annual fee | $95 |
| Late payment fee | up to $40 |
| Foreign transaction fee | None |
| Cash advance fee | Either $10 or 5% of the amount of each transaction, whichever is greater. |
| Balance transfer fee | Either $5 or 5% of the amount of each transfer, whichever is greater. |
| Minimum interest charge | $0 |
Analysis
The Cardmember Agreement Rates and Fees Table filing from JPMORGAN Chase Bank sets out a $95 annual fee and a 29.99% penalty rate.
The disclosed terms
JPMORGAN Chase Bank filed this agreement for Cardmember Agreement Rates and Fees Table with the Consumer Financial Protection Bureau. 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.
Confidence in the parse of this filing is moderate rather than high, so the figures below are best checked against the original.
Where the fees are
The annual fee is $95, charged whether or not the card is used. Against the filings here that disclose a fee, that sits at roughly the 92nd percentile.
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%. Advances under roughly $200 are charged the flat $10; larger ones are charged 5%. 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.
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 19.24%. Transferring $1,000 would cost roughly $50 at the door.
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.
The grace period
No minimum interest charge is imposed, so a cycle that accrues a few cents of interest is billed a few cents.
When a payment is late
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.
The maximum late fee is $40 — roughly the 72nd percentile of the late fee ceilings disclosed across this index.
How it sits in the issuer's own range
There are 26 filings from JPMORGAN Chase Bank in this index.
Its $95 annual fee is higher than 9 of the 23 sibling filings that state one.
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.
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.
Where the authority sits
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
Against that sits the $95 annual fee, which is unavoidable once the account is open. Extraction confidence here is not high, so the conclusions above are provisional on the PDF agreeing with them.
The source document
This page is a reading of one document: the cardholder agreement JPMORGAN Chase Bank filed with the Consumer Financial Protection Bureau. Where the two disagree, the filing is correct and this page is wrong.
Applications are handled by JPMORGAN Chase Bank, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from JPMORGAN Chase Bank
-
Cardmember Agreement Rates and Fees Table
Agreement filed with the CFPB
- Annual fee
- $49
- Intro APR
- 28.49%
- Foreign tx fee
- 3%
-
Cardmember Agreement Rates and Fees Table
Agreement filed with the CFPB
- Annual fee
- $550
- Foreign tx fee
- None
-
Cardmember Agreement Rates and Fees Table
Agreement filed with the CFPB
- Annual fee
- $149
- Intro APR
- 28.49%
- Foreign tx fee
- 3%
-
Cardmember Agreement Rates and Fees Table
Agreement filed with the CFPB
- Annual fee
- $0
- Foreign tx fee
- None
Where this card sits
Groups this agreement qualifies for, by its own disclosed terms:
Comparable cards from other issuers
Closest disclosed purchase APR among cards in the same groups.