Tabular Foundation

The Tabular Foundation 3 20 24 filing from Simmons Bank sets out a 28.24% purchase APR and no annual fee. That purchase rate ranks near the 68th percentile across this corpus of 4,587 filings.

What the agreement puts on the record

What follows is drawn entirely from Simmons Bank's CFPB filing for Tabular Foundation 3 20 24. The filing runs two pages, and It is issued on the Visa network.

On the record here: 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.

How the purchase rate compares

At 28.24%, the purchase APR falls at roughly the 68th percentile of the 2,280 filings indexed here, which sits in the more expensive half.

Because the rate is variable, the figure quoted is tied to an index and will drift with it. Nothing here is a fixed commitment.

The arithmetic of revolving

A $1,000 balance left untouched for twelve months accrues about $326 in interest at this purchase rate.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $246. The gap — roughly $80 a year on $1,000 — is the price of this particular filing over a typical one.

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

Where the fees are

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.

Taking cash against the card means a cash advance fee of $4 or 3% of the advance, whichever is greater and a cash advance APR of 29.24%. That is 1 points above the purchase rate. Advances under roughly $133 are charged the flat $4; larger ones are charged 3%.

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

The filing sets a 2% foreign transaction fee, which adds roughly $100 to $5,000 spent outside the United States.

When a payment is late

Late payments are capped at $39 under this filing, about the 63rd percentile of late fee maximums in the corpus.

Paying in full

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

There are 124 filings from Simmons Bank in this index. The issuer's own range is 18.25%–28.24%. At 28.24%, this agreement is dearer than 112 of its siblings.

What is outside the disclosure

The disclosure parsed here does not state penalty pricing. 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.

More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.

The document itself

This summary stands or falls on the linked PDF — two pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

The pricing here is middling by the standards of the index — 28.24% on purchases is near enough to typical. With no annual fee, the cost of the account is entirely a function of whether a balance is carried.