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 18.24% 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. Rewards: Simple cash back for everyday spending with 3% cash back on ALL purchases for the first 12 billing cycles 3% cash back On all purchases for 12 billing cycles on purchases up to $20,000 Pay over time Take advantage of a special card ExtendPay® plan offer, available each calendar year. 1.5% cash back On all purchases after the introductory period 5% cash back On prepaid hotel and car reservations booked directly in the Travel Center when you use your card Choose your rewards Redeem cash back as a statement credit, rewards card, or as a deposit into an eligible Account with this Financial Institution. There's no cap on the cash you can earn..