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 | $0 |
| 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 no annual fee and a 29.99% penalty rate.
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.
On the record here: 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.
Charges beyond interest
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.
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.
Balance transfers cost $5 or 5% of the amount transferred, whichever is greater up front and then accrue at 19.24%. On $5,000 that fee is about $250 before any interest is charged.
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.
The no-interest path
The filing sets the minimum interest charge at zero — small balances are not rounded up to a floor.
What a missed payment costs
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.
Against the rest of JPMORGAN Chase Bank's filings
There are 26 filings from JPMORGAN Chase Bank in this index.
On fees, 7 of the 23 sibling filings that disclose an annual fee also set it at zero — this one is among them.
The limits of this document
The disclosure parsed here does not state a purchase rate and a grace period. Those gaps are gaps in what could be read from the filing, and the PDF may well address them in prose the rate table does not capture.
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.
The document itself
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
Given the parsing confidence on this filing, read the agreement itself before treating any of these figures as settled.
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.