Commerce Bank


	BAMSL Visa^® Rewards	BAMSL Visa^® Signature
Highlights	The BAMSL Visa^® Rewards card features one of the most flexible rewards programs available.	With the BAMSL Visa^® Signature card you can experience the level of personal service, privileges and access that surpasses other credit cards.
Annual Percentage Rate	1.99% Introductory APR on Purchases, Balance Transfers, and Convenience Checks, for the first 6 months, then a competitive, variable rate of Prime Rate¹ plus 6.99% for Purchases, Balance Transfers, and Convenience Checks. View Important Disclosures >>	1.99% Introductory APR on Purchases, Balance Transfers and Convenience Checks, for the first 6 months, then a competitive, variable rate of Prime Rate¹ plus 3.99%-9.99% for Purchases, Balance Transfers, and Convenience Checks. View Important Disclosures >>
Annual Fee	$0	$99.00 Annual Fee
Rewards	Earn one point³ for every dollar in net merchandise purchases. Earn four points³ for every dollar in interest you accrue on your monthly balance. Points can be redeemed for merchandise, gift cards, cash back, travel, and more! Accumulate up to 100,000³ points a year. Take up to four³ years to earn and redeem your rewards before they expire.	Earn one point for every dollar in net merchandise purchases. Earn five points for every dollar in interest you accrue on your monthly balance. Points can be redeemed for merchandise, gift cards, cash back, travel, and more! Accumulate up to 250,000 points a year. Take up to five years to earn and redeem your rewards before they expire.
Special Privileges	Visa Concierge² – Now you can get personalized assistance with travel and restaurant reservations, gift arrangements, event tickets, business services, and more – 24 hour a day, seven days a week. Visa Concierge Services is just one of the many benefits that that you can take advantage of as a BAMSL Visa^® Rewards card holder! To learn more about this benefit, simply call 1-800-895-8518.	No Pre-Set Spending Limit† provides you with remarkable purchasing power! Visa Signature Concierge² – Save time and make your life easier with Visa Signature’s 24 x 7 complimentary concierge service. Your personal Concierge can book your travel, obtain hard-to-get tickets, make restaurant reservations, and even help you select the perfect gift. Airport Lounge Access is your Key to Over 600 VIP Lounges Worldwide. Elite Hotel Privileges - provides you with access to exceptional privileges at select boutique and luxury hotels around the world including the best rate at the time of booking, complementary upgrade at check-in (subject to availability) and more! ID Theft Restoration - provides you peace of mind knowing you'll have personalized, expert help with restoring your identity in the event your identity is compromised. And more! Learn more about the benefits that can make your life easier!
Additional Benefits	24/7 Customer Service & Online Account Access Zero Liability coverage* 25-day interest-free period on purchases $300,000 Travel Accident Insurance Emergency Card Replacement and Emergency Cash Disbursement	24/7 Customer Service & Online Account Access Zero Liability coverage* 25-day interest-free period on purchases $1,000,000 Travel Accident Insurance Emergency Card Replacement and Emergency Cash Disbursement
	BAMSL Visa^® Rewards Apply Now >	BAMSLVisa^® Signature Apply Now >

Disclosures:

The Prime Rate used to determine the APR on your Account is the U.S. Prime Rate published in The Wall Street Journal in its column called “Money Rates” on the last business day of each month; provided, however, that the Prime Rate will be subject to a minimum Rate of 6.00%. There is no ceiling on the applicable APR.
Certain terms, conditions, limitations, and exclusions apply. All costs for goods or services purchased are the responsibility of the cardholder.
See Commerce Miles^SM Rewards Terms and Conditions for full details or call 800-645-2103 for more details.

Customer must notify Commerce Bank within 60 days of receiving a statement with unauthorized activity.
See Signature Rewards Terms and Conditions for full details or call 877-787-3171 for more details.
No Pre-Set Spending Limit does not mean unlimited spending; rather each charge that causes your Account to exceed its Revolving Credit Line will be evaluated by us based on several factors. Any balance that exceeds your Revolving Credit Line will be added to your minimum payment and will be due and payable when you receive your periodic statement.