*PRICING INFORMATION FOR ARBOR DAY FOUNDATION 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. 

APR for Balance Transfers  

After that, your APR will vary with the market based on the Prime Rate. 

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 23.99% 

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.  

Paying Interest  

Minimum Interest Charge 
For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 

Fees 
Transaction Fees 
-  Balance Transfer  

How Long Will the Penalty APR Apply?: If your APRs are increased for this 
reason, the Penalty APR will apply until you make six consecutive minimum 
payments when due.  

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 charging interest on Cash Advances and Balance Transfers, on 
the transaction date. 
If you are charged interest, the charge will be no less than $2.50. 
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 

Either $10 or 5% of the amount of each Balance Transfer, whichever is greater.  

-  Non-Overdraft Cash 

Either $10 or 5% of the amount of each Cash Advance, whichever is greater. 

Advance  

-  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.  

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 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 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. 

© 2020 Commerce Bancshares, Inc.