WhiteTails Unlimited Visa Rewards Credit Card Pricing Information

Pricing in Commerce Bank's WhiteTails Unlimited Visa 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.

On the face of the filing

What follows is drawn entirely from Commerce Bank's CFPB filing for WhiteTails Unlimited Visa Rewards Credit Card Pricing Information. 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. It is silent on a purchase rate, a cash advance rate and a balance transfer rate.

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

A margin over Prime, not a rate

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.

The margins captured from the filing are 23.99 points for penalty pricing.

The practical consequence is that this card has no single disclosed price. The cost of carrying a balance moves whenever the Prime Rate moves, in lockstep and without notice, and no arithmetic on this page can tell you what it costs today.

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

Charges beyond interest

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 $30 to $1,500 spent outside the United States.

What a missed payment costs

On the fee side, a late payment can cost up to $40, which is around the 72nd percentile here.

Paying in full

Purchases carry a 25-day grace period: pay the statement in full inside it and the purchase rate never applies.

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

The limits of this document

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

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.

Inside Commerce Bank's filed lineup

There are 165 filings from Commerce Bank in this index.

Where the authority sits

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.