� 2020 Commerce Bancshares, Inc.  
 *PRICING INFORMATION FOR  THE PHI KAPPA PHI REWARDS  VISA� CREDIT CARD  
Interest Rates and Interest Charges  
Annual Percentage Rate 
(APR) for Purchases  Prime Rate plus 11.99%  to 21.99%  based on your 
creditworthiness when you open your Account.  
After that, your APR will vary with the market based on the Prime Rate.  
APR for Balance Transfers  Prime Rate plus 11.99%  to 21.99%  based on your creditworthiness when you open 
your Account.  
After that, your  APR will vary with the market based on the Prime Rate.  
APR for Cash Advances  
(Non -Overdraft & Overdraft)  Prime Rate plus 21.99% for Non-Overdraft Cash Advances.  
Prime Rate plus 21.99%  for Overdraft Cash Advances.  
These APRs will vary with the market based on the Prime Rate.  
Penalty APR and When it 
Applies  Prime Rate plus 2 3.99%  
This APR will vary with the market based on the Prime Rate. 
This APR may be applied to your Account if you fail to make the required minimum 
monthly payment within 60 days of the respective payment due date.  
 
How Long Will the Penalty APR Apply?:  If your APRs are increased for this 
reason, the Penalty APR will app ly until you make six consecutive minimum 
payments when due.   
Paying Interest  Your due date is at least 25 days after the close of each billing cycle.  We will not charge 
you any interest on Purchases if you pay the entire balance by the due date each 
month. We will begin cha rging interest on Cash Advances and  Balance Transfers, on 
the transaction date.  
Minimum Interest Charge  If you are charged interest, the charge will be no less than $2.50.  
For Credit Card Tips from 
the Consumer Financial 
Protection B ureau  To learn more about factors to consider when applying for or using a credit card, 
visit the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore  
 
Fees  
Transaction Fees  
- Balance Transfer   
Either $10 or 5% of the amount of each Balance Tran sfer, whichever is greater.  
- Non-Overdraft  Cash 
Advance  Either $10 or 5% of the amount of each Cash Advance, whichever is greater.  
- Overdraft Cash Advance  Either $10 or 5% of the amount of each Cash Advance, whichever is greater.  
- Foreign Transaction  1% of each transaction in U.S. Dollars. 2% of each transaction made in currencies other 
than U.S. Dollars.   
Installment Plan Fee  Up to 20% of each qualifying transaction (s) made using an Installment Plan. Each 
Installment Plan Fee will be disclosed prior to establishing the Installment Plan . 
Penalty Fees  
- Late Payment  
  
Up to $40 
 
 
How We Will Calculate Your Balance: We use a method called �Daily Balance� (including new Purchases  and Fees ). 
See the account agreement for more details.  
 
Standard APR:  Your standard APRs will be disclosed in your Account Opening Disclosure with your new credit card 
approximately 7 -10 business days after Account approval.  
 
Prime Rate:  The Prime Rate used to determine the APR on your Account is the U.S. Prime Rate published in The Wall 
Street Journal  in its column called �Money Rates� on the last business day of each month . Although each Daily Periodic 
Rate is determined by an index publ ished prior to the first day of each calendar month, the respective Daily Periodic Rate 
will only become effective and charged as of the first day of the monthly billing period following the respective calendar 
month in which the index is so published.  No representation is made that the U.S. Prime Rate is the lowest, the best or 
the favored rate of interest.  If for any reason The Wall Street Journal  no longer publishes the �Money Rates� column, then 
we will choose a new index based on comparable information . An increase in the Prime Rate will cause your interest rate 
to increase and may cause your minimum monthly payment to increase.  
 
Daily Periodic Rate:  The Daily Periodic Rate for all APRs equals the APR divided by 365.