Special Connections Mastercard with Rewards Pricing Information

Pricing in Commerce Bank's Special Connections Mastercard with Rewards 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 Special Connections Mastercard with Rewards Pricing Information. It is issued on the Mastercard network and the filing runs one page.

The filing is explicit about 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.

How this filing expresses its pricing

What this agreement discloses is a set of margins added to the Prime Rate. Until Prime is supplied, none of these figures is an APR, and this page will not treat them as one.

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

No cost illustration appears in this section for a reason: multiplying a margin by a balance produces a meaningless number. The real rate is Prime plus the margin, and Prime is not in this document.

The disclosure table in this document parsed only moderately cleanly; the numbers are reported as read, with that caveat attached.

Paying in full

Purchases carry a 25-day grace period: pay the statement in full inside it and the purchase rate never applies. That matches the 25-day median across the corpus almost exactly.

The $2.50 minimum interest charge means the effective cost of carrying a very small balance is far higher than the quoted APR implies.

The downside terms

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

Charges beyond interest

Cash advances carry 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 $40 on $2,000 of purchases, independent of interest.

How it sits in the issuer's own range

This is one of 165 Commerce Bank agreements collected here.

What you cannot learn from the filing

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.

More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.

Reading the agreement yourself

The original filing, 1 page long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

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.