Tabular Foundation

Simmons Bank's filed agreement for Tabular Foundation 5 5 22 discloses a 20.74% purchase APR and a $25 annual fee. That purchase rate ranks near the 44th percentile across this corpus of 4,587 filings.

The disclosed terms

The document behind this page is Simmons Bank's filed agreement for Tabular Foundation 5 5 22. The filing runs one page, 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 and a grace period.

The purchase rate in context

Measured against every other filing on the site, 20.74% is about the 44th percentile for purchase APR; it lands near the median.

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 a balance actually costs

Carry $1,200 on this card for a year without paying it down and the purchase rate alone generates roughly $276 in interest.

The corpus median purchase rate is 21.99%, which on the same $1,200 would cost about $295 a year. This filing saves roughly $19 annually against that benchmark.

Per statement cycle that is on the order of $20.63 on $1,200, which is the number that actually shows up on a bill.

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

Fees, and what triggers them

Holding the card costs $25 a year before any transaction takes place — about the 78th percentile among agreements in this index that state a fee.

For scale, $25 is approximately what $121 of revolving balance would cost in interest over twelve months at this card's 20.74% rate.

Cash advances carry a cash advance fee of $4 or 3% of the advance, whichever is greater and a cash advance APR of 24.74%. That is 4 points above the purchase rate.

Balance transfers cost a flat $0 up front and then accrue at 20.74%.

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

The downside terms

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

What the filing does not tell you

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

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 issuer's other agreements

124 separate Simmons Bank filings appear in the corpus. Across that lineup purchase rates span 18.25% to 28.24%; this filing's 20.74% sits above 9 of the comparable ones.

Reading the agreement yourself

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

In short

At 20.74% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers. Against that sits the $25 annual fee, which is unavoidable once the account is open.