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 $0 introductory annual fee for the first 12 months. After that, $99. The ongoing APR is 19.24% 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). Signup bonus: Earn 4X points on eligible travel and more, plus receive 25,000 bonus points. Rewards: Earn 4X points on eligible travel and more, plus receive 25,000 bonus points 4X points On eligible travel, gas stations and EV charging stations,** entertainment, and recreation purchases 1.5X points On all other eligible purchases Earn 25,000 points (worth up to $250) When you spend $2,000 within the first 120 days Airport Lounge Access Complimentary Priority Pass™ Select Membership that gives access to more than 1,700 VIP lounges and experiences worldwide **Excludes discount stores/supercenters and wholesale clubs.