27.24% (variable); If your APRs are increased for the stated reason, the Penalty APR will apply until you make six consecutive minimum payments when due.
Default/Penalty APR Floor:
Maximum Default APR:
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.
Credit Card Fee Information:
Foreign Transaction Fee:
Up to $38
Balance Transfer Fee:
Either $10 or 5% of the amount of each Balance Transfer, whichever is greater.
Earn one point for every dollar in Net Merchandise Purchases. Earn two points for every dollar in Net Merchandise Purchases made at travel and restaurant retailers. Earn three points for every dollar in interest you accrue on your monthly balance. Receive a 5% annual point dividend when you make $50,000 or more in Net Merchandise Purchases. Your points are worth 20% more when redeemed for travel at the commercebank.com/rewards website. Points can be redeemed for merchandise, gift cards, cash back, travel, and more - all with free shipping. Points expire after 5 years.
Credit Card More Information:
Card Issued By:
General Correspondence Address:
States Available In:
Minimum Credit Limit:
Maximum Credit Limit:
Credit Limit Notes:
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Get a $100 statement credit after $500 in purchases within 60 days of account opening - with no annual fee and no limit to the base cash back you can earn
3% cash back on purchases at gas stations and office supply stores, 2% on purchases at restaurants, and 1% on all other purchases (Annual cap of $250,000 on combined gas station and office supply store purchases; then 1% earn rate after that)
Redeem your cash rewards for cash back, or apply them to a Bank of America(R) savings or checking account
0% introductory APR on purchases for the first 9 billing cycles