KBA Visa with Rewards Credit Card Pricing Information

Commerce Bank prices KBA Visa with Rewards Credit Card Pricing Information as a margin over the Prime Rate rather than as a fixed APR, so the filing discloses the spread but not the cost. This page explains what that means and sets the other disclosed terms against the corpus.

What this filing discloses

What follows is drawn entirely from Commerce Bank's CFPB filing for KBA Visa with Rewards Credit Card Pricing Information. The filing runs one page, and It is issued on the Visa network.

The disclosure covers a penalty rate, a late payment maximum, a foreign transaction fee and a grace period. No figure appears for a purchase rate, a cash advance rate and a balance transfer rate.

These figures carry medium extraction confidence — they are reproduced as read from the filing, which remains the authority.

How this filing expresses its pricing

This filing does not quote finished APRs. It states margins — numbers that are added to the Prime Rate to produce the rate actually charged. Everything below should be read that way.

The filing's margin figures come to 23.99 points for penalty pricing.

This structure makes the card impossible to price from the filing in isolation — and deliberately so. The rate is whatever Prime is when the statement closes, plus the margin above.

Confidence in the parse of this filing is moderate rather than high, so the figures below are best checked against the original.

The fee structure

For cash advances the filing discloses a cash advance fee of $10 or 5% of the advance, whichever is greater.

A balance transfer costs $10 or 5% of the amount transferred, whichever is greater up front. The filing does not separately state the rate applied to transferred balances. Transferring $5,000 would cost roughly $250 at the door.

Spending abroad costs an extra 2% — about $60 on $3,000 of purchases, independent of interest.

What a missed payment costs

$40 is the disclosed ceiling on a late payment fee, placing it near the 72nd percentile of the set.

Paying in full

Purchases carry a 25-day grace period: pay the statement in full inside it and the purchase rate never applies.

A minimum interest charge of $2.50 applies in any cycle where interest is due, which makes very small revolving balances disproportionately expensive.

How it sits in the issuer's own range

There are 165 filings from Commerce Bank in this index.

What the filing does not tell you

This page cannot tell you a purchase rate and an annual fee, because the filing's disclosure table as read does not contain them.

What this analysis can address is bounded by the filing: rates, fees and the terms around them. Everything a card issuer might advertise — rewards, benefits, bonuses, who qualifies — falls outside the document and outside this review.

Go to the source

Everything here is a reading of the filed agreement, one page of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

The honest summary is that this filing discloses a structure rather than a price. The margins are real and comparable to each other; the cost of borrowing is whatever Prime makes it.