Tabular Foundation

Simmons Bank's filed agreement for Tabular Foundation 3 19 25 discloses a 27.24% purchase APR and no annual fee. Against the 4,587 filings on this site, that rate lands around the 66th percentile.

What the agreement puts on the record

This page covers the agreement Simmons Bank filed for Tabular Foundation 3 19 25. It is issued on the Visa network and the filing runs two pages.

Terms captured from the document include 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.

Pricing the purchase rate

Ranked against the corpus, this purchase APR — 27.24% — sits at approximately the 66th percentile and is dearer than the typical filing.

The filing marks this rate as variable, which means it moves with the index the agreement names rather than staying where it is quoted today.

The cost of carrying a balance

A $2,500 balance left untouched for twelve months accrues about $782 in interest at this purchase rate.

On a median-priced agreement from this index (21.99%) the same $2,500 would run about $615 a year, so this card costs in the region of $168 more annually for the identical balance.

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

Charges beyond interest

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.

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 28.24%. That is 1 points above the purchase rate. The two halves of that fee cross at about $133: below it the flat $4 applies, above it the percentage does.

The transfer fee is a flat $0; transferred balances then run at 27.24%.

Spending abroad costs an extra 2% — about $20 on $1,000 of purchases, independent of interest.

Penalty pricing and late fees

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

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.

What the filing does not tell you

Absent from the captured terms: penalty pricing. The original document is the place to look for any of these.

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.

The issuer's other agreements

There are 124 filings from Simmons Bank in this index. Their disclosed purchase rates run from 18.25% to 28.24%, and this one at 27.24% is more expensive than 101 of them.

On fees, 114 of the 118 sibling filings that disclose an annual fee also set it at zero — this one is among them.

The document itself

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

In short

The pricing here is middling by the standards of the index — 27.24% on purchases is near enough to typical. Because there is no annual fee, everything depends on the revolving behaviour: used as a payment instrument and cleared monthly, this agreement costs nothing.