Tabular Foundation

Simmons Bank's filed agreement for Tabular Foundation 9 22 22 discloses a 25.99% purchase APR and no annual fee. Against the 4,587 filings on this site, that rate lands around the 63rd percentile.

The disclosed terms

The document behind this page is Simmons Bank's filed agreement for Tabular Foundation 9 22 22. 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. A penalty rate and a grace period are not stated.

How the purchase rate compares

The purchase APR of 25.99% places this agreement around the 63rd percentile of the set — it sits in the more expensive half.

This is disclosed as a variable rate. The number above is a snapshot: it tracks an index, so it changes without the agreement being amended.

What a balance actually costs

At the disclosed purchase APR, $1,000 revolving for a full year costs something like $297 in interest.

Against the corpus median of 21.99%, that is approximately $51 a year of extra interest on the same $1,000.

Per statement cycle that is on the order of $21.58 on $1,000, 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.

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 26.99%. Cash is therefore 1 points dearer than buying something with the card. 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 25.99%.

The filing sets a 2% foreign transaction fee, which adds roughly $30 to $1,500 spent outside the United States.

Penalty pricing and late fees

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

How it sits in the issuer's own range

124 separate Simmons Bank filings appear in the corpus. The issuer's own range is 18.25%–28.24%. At 25.99%, this agreement is dearer than 94 of its siblings.

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

The limits of this document

This page cannot tell you a grace period and penalty pricing, because the filing's disclosure table as read does not contain them.

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.

Reading the agreement yourself

The filed PDF is linked from this page and runs two pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

At 25.99% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers. With no annual fee, the cost of the account is entirely a function of whether a balance is carried.