PRICING INFORMATION FOR THE COMMERCE BANK SECURED VISA CREDIT CARD 

Interest Rates and Interest Charges 
Annual Percentage Rate 
(APR) for Purchases 

Prime Rate plus 14.99%  

APR for Balance Transfers  

Prime Rate plus 14.99%  

This 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. 

This APR will vary with the market based on the Prime Rate 

How to Avoid Paying Interest 
on Purchases 

Minimum Interest Charge 
For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 

Fees 
Set-up and Maintenance 
Fees 
-  Annual Fee 

Transaction Fees 
-  Balance Transfer  

These APRs will vary with the market based on the Prime Rate. 

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 

$49 

None  

-  Non-Overdraft              

None 

Cash Advance  

-  Overdraft Cash Advance 

None  

-  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  

$5 if your minimum payment due is less than or equal to $25; 
$15 if your minimum payment due is more than $25 

-  Returned Payment 

$25 

How We Will Calculate Your Balance: We use a method called “Daily Balance” (including new Purchases and Fees). 

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.