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.
APR for Purchases and Balance Transfers: 0.00% Introductory APR for 9 monthly billing cycles; after that, your APR will be 12.24% (variable) based on your creditworthiness when you open your account. Balance Transfer Fee: Either $10 or 5% of the amount of each Balance Transfer, whichever is greater. Cash Advance Fee: Either $10 or 5% of the amount of each Cash Advance, whichever is greater. Grace Period: Card issuer will not charge you any interest on Purchases if you pay your entire balance by the due date each month. Foreign Transaction Fee: None. Penalty APR: 27.24%; if your APRs are increased for the stated reason, the Penalty APR will apply until you make six consecutive minimum payments when due.