The Commonwealth National Bank is a personal credit card from Commonwealth National Bank. Application typically pulls a hard report from TransUnion. The annual fee is No annual fee (terms print "Annual Membership Fee: None"). The ongoing APR is 17.99% to 28.24% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. (APR for purchases; terms accurate as of 10/2026) after a 0% introductory APR for the first 12 billing cycles introductory rate.