Tabular Foundation

Simmons Bank's filed agreement for Tabular Foundation 3 18 26 discloses a 26.49% purchase APR and no annual fee. That purchase rate ranks near the 63rd percentile across this corpus of 4,587 filings.

What this filing discloses

This page covers the agreement Simmons Bank filed for Tabular Foundation 3 18 26. The filing runs two pages, and It is issued on the Visa network.

The disclosure covers a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. No figure appears for a penalty rate.

How the purchase rate compares

Ranked against the corpus, this purchase APR — 26.49% — sits at approximately the 63rd percentile and sits in the more expensive half.

The agreement labels the purchase rate variable, so the quoted figure reflects the index at the time of filing rather than a locked-in price.

What a balance actually costs

At the disclosed purchase APR, $2,000 revolving for a full year costs something like $606 in interest.

On a median-priced agreement from this index (21.99%) the same $2,000 would run about $492 a year, so this card costs in the region of $115 more annually for the identical balance.

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

When a payment is late

On the fee side, a late payment can cost up to $39, which is around the 63rd percentile here.

Where the fees are

The annual fee is $0. Roughly 75% of filings here that state a fee state zero, so the absence of one is unremarkable in this market.

Cash advances carry a cash advance fee of $4 or 3% of the advance, whichever is greater and a cash advance APR of 27.49%. The premium over purchases is 1 percentage points. $133 is the crossover point where the percentage overtakes the $4 minimum.

Moving a balance onto this card carries an up-front charge of a flat $0, with the transferred balance priced at 26.49%.

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

Paying in full

25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. That matches the 25-day median across the corpus almost exactly.

How it sits in the issuer's own range

Simmons Bank has 124 agreements indexed on this site. The issuer's own range is 18.25%–28.24%. At 26.49%, this agreement is dearer than 95 of its siblings.

The limits of this document

This page cannot tell you penalty pricing, because the filing's disclosure table as read does not contain it.

What this analysis can address is bounded by the filing: rates, fees and the terms around them. Everything a card issuer might advertise — rewards, benefits, bonuses, who qualifies — falls outside the document and outside this review.

Where the authority sits

The original filing, 2 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

At 26.49% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers.