KCMBA Visa Signature with Rewards Credit Card Pricing Information

Pricing in Commerce Bank's KCMBA Visa Signature with Rewards 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.

What the document actually states

Commerce Bank submitted the terms for KCMBA Visa Signature with Rewards Credit Card Pricing Information to the CFPB's agreement database; this is what they contain. It is issued on the Visa network and the filing runs one page.

On the record here: 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.

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

Priced off the Prime Rate

The rate figures in this agreement are expressed as margins over the Prime Rate rather than as absolute APRs. A margin is not a rate: the rate is the margin plus whatever Prime happens to be.

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.

What the card costs before you borrow

For cash advances the filing discloses a cash advance fee of $10 or 5% of the advance, whichever is greater. The two halves of that fee cross at about $200: below it the flat $10 applies, above it the percentage does.

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. On $5,000 that fee is about $250 before any interest is charged.

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

Penalty pricing and late fees

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

Paying in full

25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. 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.

Inside Commerce Bank's filed lineup

Commerce Bank has 165 agreements indexed on this site.

What you cannot learn from the filing

Absent from the captured terms: a purchase rate and an annual fee. The original document is the place to look for any of these.

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

This summary stands or falls on the linked PDF — one page. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

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.