Commerce Bank: We ask, listen and solve.
The UVM Visa Signature Credit Card

The UVM Alumni Visa Signature® Credit Card

Valued members of the University of Vermont family, show your Catamount pride everywhere you shop, dine or travel with the UVM Visa Signature® Credit Card.

Get the card that rewards you, and show your support for UVM Alumni Association every time you make a purchase! Respond today to take advantage of this special offer before it expires!


horizontal rule

Apply Now button

(Please refer to your offer letter for details about the offer, offer expiration date, and access code.)

Disclosures:

  1. The statement credit will reduce your balance, but you are still required to make at least your minimum payment. Values for non-cash back redemption items such as merchandise, gift cards, and travel may vary.
  2. "Net Merchandise Purchases" means purchases of merchandise or services on the Account, less any returned merchandise credits or service credits posted to the Account. Net Merchandise Purchases does not include Cash Advances, Balance or associated fees, money transfers or other fees, gaming chips, or fees or premiums for coverage or insurance to protect the balances of an Account holder’s Account. Questions concerning eligible transactions and what constitutes Net Merchandise Purchases will be determined at the sole discretion of Commerce.
  3. Merchants self-select the category in which they would like their transaction items to be listed. Please note some merchants may be owned by other companies, therefore transactions may not be counted in the expected category. A maximum of 2,500 bonus points will be awarded per quarter, per rewards account.
  4. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

*IMPORTANT TERMS OF THE UVM VISA SIGNATURE® CREDIT CARD

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 0% Introductory APR for 12 monthly billing cycles after account opening.

After that, your APR will be 12.99%.
This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers 0% Introductory APR for 12 monthly billing cycles after account opening.

After that, your APR will be 12.99%.
This APR will vary with the market based on the Prime Rate.

APR Cash Advances (Non-Overdraft & Overdraft) 25.99% for Non-Overdraft Cash Advances.
25.99% for Overdraft Cash Advances.

These APRs will vary with the market based on the Prime Rate.

Penalty APR and When it Applies 27.99%

This APR will vary with the market based on the Prime Rate.
This APR may be applied to your Account if you fail to make the required minimum monthly payment within 60 days of the respective payment due date.

How Long Will the Penalty APR Apply?: If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due.
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on Purchases if you pay the entire balance by the due date each month.
Minimum Interest Charge If you are charged interest, the charge will be no less than $2.50.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Fees
Transaction Fees  
  • Balance Transfer
  • Either $10 or 5% of the amount of each Balance Transfer, whichever is greater.
  • Non-Overdraft Cash Advance
  • Either $10 or 5% of the amount of each Cash Advance, whichever is greater.
  • Overdraft Cash Advance
  • Either $10 or 5% of the amount of each Cash Advance, whichever is greater.
  • Foreign Transaction
  • 1% of each transaction in U.S. Dollars. 2% of each transaction made in currencies other than U.S. Dollars.
    Penalty Fees  
  • Late Payment
  • Up to $37
    • For more information or any questions, call Commerce Bank at 1-800-571-6898.
    • How We Will Calculate Your Balance: We use a method called "Daily Balance" (including new Purchases).
    • Loss of Introductory APR: We may end your Introductory APR and apply the Penalty APR for the reason described in the Penalty APR box above.
    • 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.
    • Sharing Information: We are permitted under law to share information about our experiences or transactions with you or your Account with our Affiliates. If you prefer, you may direct us not to share this information with our Affiliates. If this is your choice, call us toll-free at 1-800-543-4845.
    • Balance Transfer Details: Balance Transfers must be from an existing credit card with another institution. You understand to close an account with another credit card company, you must notify the issuer directly. Commerce Bank will make Balance Transfers up to the amount of your credit limit, which will be established at your account opening. If you make requests for Balance Transfers that exceed your credit limit, Commerce Bank may at its discretion determine which transfers will be made and which will not. Balance Transfers are subject to the transaction fee shown in the Important Terms disclosure. Please refer to your offer letter and/or email for any introductory Balance Transfer Fee introductory offer and offer expiration date. Commerce Bank requires a minimum monthly payment which will be the greater of: $30.00, or the full amount of your total balance if it is less than $30.00; or 3.00% of your new balance plus any amounts that are past due; or 1.00% of your new balance plus any amounts that are past due, plus Fees and Interest Charges accumulated during the billing period. To assure your non-Commerce Bank accounts remain in good standing, please continue to pay that account as required. Upon approval, we will notify you regarding the Balance Transfer check(s) mailed on your behalf. It can take up to 30 days for a Balance Transfer to post on the other account.