Tabular Foundation

Tabular Foundation 1 31 24, as filed by Simmons Bank, carries a 28.24% purchase APR and no annual fee. Against the 4,587 filings on this site, that rate lands around the 68th percentile.

On the face of the filing

The document behind this page is Simmons Bank's filed agreement for Tabular Foundation 1 31 24. The filing runs two pages, and It is issued on the Visa network.

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

Pricing the purchase rate

The purchase APR of 28.24% places this agreement around the 68th percentile of the set — it comes in above the median.

This is disclosed as a variable rate. The number above is a snapshot: it tracks an index, so it changes without the agreement being amended.

What a balance actually costs

Carry $1,200 on this card for a year without paying it down and the purchase rate alone generates roughly $391 in interest.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $295. The gap — roughly $96 a year on $1,200 — is the price of this particular filing over a typical one.

Month to month it reads as about $28.17 per cycle on that balance.

That maths assumes a static balance and nothing else — no payments, no additional purchases, no fees folded in.

The downside terms

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

What the card costs before you borrow

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 $4 or 3% of the advance, whichever is greater and a cash advance APR of 29.24%. The premium over purchases is 1 percentage points. The two halves of that fee cross at about $133: below it the flat $4 applies, above it the percentage does. The grace period described below generally does not extend to cash advances, so interest on them usually begins immediately.

The transfer fee is a flat $0; transferred balances then run at 28.24%.

Foreign transactions attract 2%. On $1,000 of overseas spending that is $20, charged on top of whatever exchange rate applies.

Grace period and minimum charge

The filing gives 25 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. That matches the 25-day median across the corpus almost exactly.

The issuer's other agreements

This is one of 124 Simmons Bank agreements collected here. The issuer's own range is 18.25%–28.24%. At 28.24%, this agreement is dearer than 112 of its siblings.

What you cannot learn from the filing

Absent from the captured terms: penalty pricing. 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.

The document itself

The filed PDF is linked from this page and runs two pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

The pricing here is middling by the standards of the index — 28.24% on purchases is near enough to typical.