Rates and Fees for Garfield Visa® with Rewards

Credit Card Rate Information:

Purchase

Balance Transfer

Cash Advance

Index:

prime

Margin:

10.99 - 16.99

21.99

APR:

14.24% - 20.24% Variable

25.24% Variable

APR Floor:

None

Intro Rate:

1.99%

N/A

Intro Period:

6 months

N/A

Finance Calculation Method:

Daily Balance

Purchase Grace Period:

25 days

Default/Penalty APR:

27.24% Variable

Default/Penalty Margin:

23.99

Default/Penalty APR Floor:

Maximum Default APR:

Variable

Penalty/Default Trigger:

Penalty 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:

Annual Fee:

None

Foreign Transaction Fee:

1% - 2%

Late Fee:

N/A

Over-the-limit Fee:

N/A

Balance Transfer Fee:

5% ($10 min. )

Cash Advance Fee:

5% ($10 min. )

Notes:

Rebate Description:

Earn one point for every dollar in net merchandise purchases. Earn three points for every dollar in interest you accrue on your monthly balances. Plus, an additional 500 bonus points with your first purchase within 90 days.

Special Notes:

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. Card issuer will not charge you any interest on Purchases if you pay your entire balance by the due date each month. If you are charged interest, the charge will be no less than $2.50. Foreign Transaction Fee: 1.00% of each transaction in US dollars; 2.00% of each transaction in non-US dollars.

Card Issued By:

Commerce Bank

General Correspondence Address:

1000 Walnut, Kansas City, MO, 64106

Card Type:

Visa

Card Class:

Signature

Card Category:

Airlines, Balance Transfer, Credit Card Deals, Low Intro Rate, Miles/Points, Reward

States Available In:

ALL