Tabular Signature

On the record for Tabular Signature 5 07 25: a purchase APR of 16.5%–24.5%, no annual fee and a 12-month 0% opening period, filed by Simmons Bank. Against the 4,587 filings on this site, that rate lands around the 59th percentile.

On the face of the filing

The document behind this page is Simmons Bank's filed agreement for Tabular Signature 5 07 25. The filing runs four pages, 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. No figure appears for a penalty rate.

The interest-free window

The filing discloses a 0% introductory rate running 12 months. For that window, balances covered by the promotion accrue no interest at all.

Roughly 458 of the 4,587 filings indexed here disclose a zero-percent introductory rate, so this is a real feature of the document but not a rare one.

What matters more than the promotion is the rate waiting behind it: 24.5%. A $2,000 balance that survives the promotional window costs roughly $555 a year from that point on.

Put the other way round, the 12-month zero rate is worth roughly $555 on a $2,000 balance relative to paying the go-to rate from day one — a real figure, but one that only materialises for someone who was going to carry that balance anyway.

The purchase rate in context

The purchase APR is quoted as a range of 16.5% to 24.5%. That 8-point spread is the whole of what the filing commits to; the method for assigning a rate inside it is not in the document.

The floor of that band sits at about the 41st percentile of filed purchase rates; the ceiling sits at about the 59th. In corpus terms the same card can be cheap or expensive depending on how it is priced.

The agreement labels the purchase rate variable, so the quoted figure reflects the index at the time of filing rather than a locked-in price.

What a balance actually costs

Put $1,000 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $278.

On a median-priced agreement from this index (21.99%) the same $1,000 would run about $246 a year, so this card costs in the region of $32 more annually for the identical balance.

Broken down to a single thirty-day cycle, the same balance accrues roughly $20.33.

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

The downside terms

$39 is the disclosed ceiling on a late payment fee, placing it near the 63rd percentile of the set.

Fees, and what triggers them

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 20.5%. Cash advances also tend to fall outside any grace period, which means interest typically starts on day one rather than at the end of a billing cycle.

Transferred balances are priced at 16.5%; no separate transfer fee was captured from the filing.

Foreign transactions attract 2%. On $3,000 of overseas spending that is $60, charged on top of whatever exchange rate applies.

Grace period and minimum charge

Purchases carry a 25-day grace period: pay the statement in full inside it and the purchase rate never applies. That matches the 25-day median across the corpus almost exactly.

Inside Simmons Bank's filed lineup

There are 124 filings from Simmons Bank in this index. Across that lineup purchase rates span 18.25% to 28.24%; this filing's 24.5% sits above 55 of the comparable ones.

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

The limits of this document

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

An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.

Go to the source

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

In short

The pricing here is middling by the standards of the index — 24.5% 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.