� 2020 Commerce Bancshares, Inc.  
 PRICING INFORMATION FOR  THE COMMERCE  MILES� CREDIT CARD  
Interest Rates and Interest Charges  
Annual Percentage Rate 
(APR) for Purchases  Prime Rate plus 8.99%  to 21.99% based on your creditworthiness 
when you open your Account.  
After that, your APR will var y with the market based on the Prime Rate.  
APR for Balance Transfers  Prime Rate plus 8.99%  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 A PRs are increased for this 
reason, the Penalty APR will apply 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 Purch ases if you pay the entire balance by the due date each 
month.  We will begin charging 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 Bureau  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  
- Balanc e 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 C ash Advance  Either $10 or 5% of the amount of each Cash Advance, whichever is greater.  
- Foreign Transaction  None  
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 Bal ance� (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 published 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 per iod following the respective calendar 
month in which the index is so p ublished.  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 �M oney Rates� column, then 
we will choose a new index based on comparabl e 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 Ra te for all APRs equals the APR divided by 365.