Save the Children Visa Signature Credit Card Pricing Information

Pricing in Commerce Bank's Save the Children Visa Signature Credit Card Pricing Information agreement is expressed relative to the Prime Rate. This review treats those figures as margins, which is what they are, and compares the fee terms that can be compared.

The disclosed terms

This page covers the agreement Commerce Bank filed for Save the Children Visa Signature Credit Card Pricing Information. It is issued on the Visa network and the filing runs one page.

The disclosure covers a penalty rate, a late payment maximum, a foreign transaction fee and a grace period. A purchase rate, a cash advance rate and a balance transfer rate are not stated.

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

Margins, not APRs

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.

As read from the document: 23.99 points for penalty pricing.

Because the filing prices off an index, the dollar cost of a balance cannot be computed from the document alone. It is the current Prime Rate that completes the sum, and that changes.

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

Where the fees are

Cash advances carry a cash advance fee of $10 or 5% of the advance, whichever is greater. $200 is the crossover point where the percentage overtakes the $10 minimum.

Transfers are charged $10 or 5% of the amount transferred, whichever is greater, though no distinct transfer APR appears in the document. Transferring $5,000 would cost roughly $250 at the door.

Foreign transactions attract 2%. On $1,500 of overseas spending that is $30, charged on top of whatever exchange rate applies.

The downside terms

The maximum late fee is $40 — roughly the 72nd percentile of the late fee ceilings disclosed across this index.

The grace period

Anyone clearing the statement balance inside 25 days pays no purchase interest at all under this filing. That matches the 25-day median across the corpus almost exactly.

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

Against the rest of Commerce Bank's filings

165 separate Commerce Bank filings appear in the corpus.

The limits of this document

The disclosure parsed here does not state a purchase rate and an annual fee. Those gaps are gaps in what could be read from the filing, and the PDF may well address them in prose the rate table does not capture.

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.

The document itself

The filed PDF is linked from this page and runs one page. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

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.