Charity Charge World Mastercard Pricing Information

Commerce Bank prices Charity Charge World Mastercard 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.

The disclosed terms

Commerce Bank filed this agreement for Charity Charge World Mastercard Pricing Information with the Consumer Financial Protection Bureau. The filing runs one page, and It is issued on the Mastercard network.

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.

Margins, not APRs

Pricing here is disclosed in the form "Prime plus a margin". The numbers in this document are therefore the margin component only, and cannot be read as the cost of borrowing on their own.

The margins captured from the filing are 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.

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

Grace period and minimum charge

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.

Where interest applies at all, the filing bills at least $2.50. On a tiny balance that floor can dwarf the rate itself.

The downside terms

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

Fees, and what triggers them

Taking cash against the card means 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. On $7,500 that fee is about $375 before any interest is charged.

The filing sets a 2% foreign transaction fee, which adds roughly $100 to $5,000 spent outside the United States.

Inside Commerce Bank's filed lineup

This is one of 165 Commerce Bank agreements collected here.

What is outside the disclosure

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.

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

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

What can be said is how this card is priced, not what it costs. That distinction is the whole of the analysis here, and the agreement is the place to confirm the index it uses.