Commerce Bank


	KBA Visa^® Rewards
Highlights	The KBA Visa^® Rewards card features one of the most flexible rewards programs available. Points can be redeemed for Merchandise, Gift Cards, Cash Back, Travel, and more!
Annual Percentage Rate	1.99% Introductory* APR on Purchases and Balance Transfers, for 6 months, then a competitive rate of 13.24% APR**. View Important Disclosures>>
Annual Fee	$0
Rewards***	Earn one point for every dollar in net merchandise purchases. Earn three points for every dollar in interest you accrue on your monthly balance. Plus, receive an additional 500 bonus points within 90-days of your first purchase. UNLIMITED point earning is here! No cap exists on the points you can earn each year. Take up to 3 years to earn and redeem your rewards before they expire. Points can be redeemed for Merchandise, Gift Cards, Cash Back, Travel, and more!
Additional Benefits	24/7 Customer Service (except holidays) & Online Account Access Zero Liability coverage** $300,000** Travel Accident Insurance Emergency Card Replacement and Emergency Cash Disbursement
	KBA Visa^® Rewards Apply Online>

We may end your Introductory APR and apply the Penalty APR if you fail to make the required minimum monthly payment within 60 days of the respective payment due date.
This APR will vary with the market based on the Prime Rate. 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.
See Commerce Bank Rewards Program Terms and Conditions for full details or call 800-678-0769.
Customer must notify Commerce Bank within 60 days of receiving statement with unauthorized account activity.