Commerce Miles^SM Visa^®
with Rewards

Highlights	A credit card that earns points on both your Purchases and interest accrued on monthly balances. Unlimited Point Earning
Annual Percentage Rate	0% Introductory* APR on Purchases and Balance Transfers, for 6 months, then a competitive rate of 14.24% APR**. View Important Disclosures>>
Annual Fee	$29.00 Annual Fee
Rewards***	Earn one point for every dollar in net merchandise purchases. Earn four 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! Redemption options start at 1,500 points, so your first reward is not far away. Unlimited Point Earning: There is no limit on the number of points you can earn each year. Take up to four years to earn and redeem your rewards before they expire.
Additional Benefits	Online E-Statements Optional Auto Pay and Overdraft Protection 24/7 Customer Service (except holidays) and Online Account Access Zero Liability coverage**** Auto Rental Collision Damage Waiver $100,000 Travel Accident Insurance Emergency Card Replacement and Emergency Cash Disbursement

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 Miles^SM 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.
To send an email that contains confidential information, please visit the Secure Message Center where there are additional instructions about whether to use Secure Email or Online Banking messaging.

Commerce MilesSM Visa® with Rewards