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. Signup bonus: Earn up to 4X points AND receive 15,000 bonus points. Rewards: Earn up to 4X points AND receive 15,000 bonus points 4X points On dining, takeout and restaurant delivery on your first $2,000 each quarter 2X points At grocery stores,** gas stations and EV charging stations,** and eligible streaming services Earn 15,000 points (worth up to $150) When you spend $500 within the first 90 days 1X points On all other eligible purchases **Excludes discount stores/supercenters and wholesale clubs.