Tabular Foundation

The Tabular Foundation 5 07 25 filing from Simmons Bank sets out 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 5 07 25. It is issued on the Visa network and the filing runs two pages.

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. No figure appears for a penalty rate.

How the purchase rate compares

At 27.24%, the purchase APR falls at roughly the 66th percentile of the 2,280 filings indexed here, which runs above the midpoint of the corpus.

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

What the rate means in dollars

Put $2,500 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $782.

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.

Broken down to a single thirty-day cycle, the same balance accrues roughly $56.58.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

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 28.24%. Cash is therefore 1 points dearer than buying something with the card. Advances under roughly $133 are charged the flat $4; larger ones are charged 3%. The grace period described below generally does not extend to cash advances, so interest on them usually begins immediately.

Moving a balance onto this card carries an up-front charge of a flat $0, with the transferred balance priced at 27.24%.

Spending abroad costs an extra 2% — about $40 on $2,000 of purchases, independent of interest.

The no-interest path

Anyone clearing the statement balance inside 25 days pays no purchase interest at all under this filing. That matches the 25-day median across the corpus almost exactly.

Default pricing

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

Inside Simmons Bank's filed lineup

This is one of 124 Simmons Bank agreements collected here. Across that lineup purchase rates span 18.25% to 28.24%; this filing's 27.24% sits above 101 of the comparable ones.

114 of the issuer's other 118 disclosing filings are likewise fee-free.

What the filing does not tell you

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

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

At 27.24% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers. Because there is no annual fee, everything depends on the revolving behaviour: used as a payment instrument and cleared monthly, this agreement costs nothing.