Pricing Information for Affinity Rewards Credit Card

The Pricing Information for Affinity Rewards Credit Card filing quotes margins over Prime instead of finished rates. What that leaves knowable — and what it does not — is the subject of this analysis.

What the document actually states

Pricing Information for Affinity Rewards Credit Card is one of the agreements Commerce Bank has on file with the CFPB. The filing runs one page.

Terms captured from the document include a penalty rate, a late payment maximum, a foreign transaction fee and a grace period. It is silent on 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.

A margin over Prime, not a rate

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.

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. $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 $2,000 would cost roughly $100 at the door.

The filing sets a 2% foreign transaction fee, which adds roughly $60 to $3,000 spent outside the United States.

What a missed payment costs

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

The grace period

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

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

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.

An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.

Against the rest of Commerce Bank's filings

This is one of 165 Commerce Bank agreements collected here.

Where the authority sits

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

Margins over Prime make this agreement legible but not priceable from the document alone. Treat the figures above as structure, and look up the current Prime Rate before drawing conclusions.