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Commerce Bank World Elite Mastercard®
Commerce Bank World Elite Mastercard®
- 17.49% variable based on the Prime Rate Regular Purchase APR
- 17.49% variable based on the Prime Rate Balance Transfer APR
- 30.49% variable based on the Prime Rate Cash Advance APR
- 0% for 12 months from account opening date Intro Purchase APR
At a Glance
The Commerce Bank World Elite Mastercard® is a cash back rewards credit card that performs well no matter the setting. The card, from Commerce Bank, earns 3% cash back on coffee shop and dining purchases and 1.5% cash back for every other purchase. There is no cap on points, and for those who prefer rewards rather than cash back, they can redeem their points for gift cards, merchandise, travel, and more. New account holders also benefit from 0% intro APR for 12 months on purchases and balance transfers.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 3% cash back on dining and at coffee shops
- 1.5% cash back on all purchases
- Unlimited earning
- No foreign transaction fees
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 17.49% variable based on the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months from account opening date
- Balance Transfer APR: 17.49% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 30.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 32.49% variable based on the Prime Rate
- Annual Fee: $95
- Late Payment Penalty Fee: Up to $40
- You want a versatile rewards card that works well worldwide
- You don’t like the idea of paying foreign transaction fees
- You don’t mind paying $95 per year
- You want to earn 3% cash back on coffee shop or dining purchases
Commerce Miles® Visa Signature
Commerce Miles® Visa Signature
- 19.49% to 30.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.49% to 30.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 30.49% variable based on the Prime Rate Cash Advance APR
- 0% for 12 months from account opening date Intro Purchase APR
At a Glance
The Commerce Miles® Visa is a no annual fee travel rewards credit card from Commerce Bank. The card earns unlimited 2.5X miles on all travel purchases, including airfare, hotels, rideshares, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- Earn 2.5X miles on travel purchases, including airfare, hotels, and rideshares
- Earn 1 miles per dollar spent on all other purchases
- Miles expire after four years
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 19.49% to 30.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 19.49% to 30.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 30.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 33% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $40
- You want a no-hassle rewards card for future vacations
- You plan to use your card to make purchases abroad
- You don’t want to pay an annual fee
Special Connections® Visa Signature®
Special Connections® Visa Signature®
- 19.49% to 30.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.49% to 30.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 30.49% variable based on the Prime Rate Cash Advance APR
- 0% for 12 months of account opening Intro Purchase APR
At a Glance
The Special Connections® Visa Signature® from Commerce Bank is a decent cash back rewards and travel rewards credit card for everyday use. The card earns a flat-rate 1.5% cash back on all purchases, with other options for rewards redemption that include gift cards, travel, merchandise, or statement credits. The card also boasts 0% introductory APR for the first 12 months, no pre-set spending limits, and no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Unlimited 1.5% cash back on all purchases
- 0% introductory APR for 12 months from account opening
- Premium travel offers and discounts
- No annual fee
- Intro Purchase APR: 0% for 12 months of account opening
- Regular Purchase APR: 19.49% to 30.49% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months of account opening
- Balance Transfer APR: 19.49% to 30.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 30.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 32.49% variable based on the Prime Rate
- Foreign Transaction Fee: 1% of each transaction in U.S. dollars; 2% of each transaction made in currencies otherthan U.S. dollars
- Late Payment Penalty Fee: Up to $40
- You don’t want to pay an annual fee
- You want to earn a flat-rate 1.5% cash back on all purchases
- You want access to a wide array of Visa perks
Commerce Bank Special Connections® Visa
Commerce Bank Special Connections® Visa
- 19.24% to 30.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.24% to 30.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 30.24% variable based on creditworthiness Cash Advance APR
- 0% for 12 months from account opening date Intro Purchase APR
At a Glance
The Commerce Bank Special Connections® Visa is a credit card that offers seamless integration with an existing Commerce Bank checking account. This integration allows users to pay with either their cash back rewards credit card or a connected checking account at select retailers. The card also earns 3% cash back at coffee shops, fast food, and ride shares; 2% cash back on gas and restaurant purchases; and 1% cash back for every other purchase – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 3% cash back at coffee shops, fast food, and ride shares
- 2% cash back on gas and restaurants
- 1% cash back on all other purchases
- 0% introductory APR for 12 months from account opening
- Connect your debit and credit cards in once account
- No annual fee
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 19.24% to 30.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months from account opening date
- Balance Transfer APR: 19.24% to 30.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 30.24% variable based on creditworthiness
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 32.24% variable based on the Prime Rate
- Foreign Transaction Fee: 1% of each transaction in U.S. dollars; 2% of each transaction made in currencies otherthan U.S. dollars
- Late Payment Penalty Fee: Up to $40
- You already bank with Commerce Bank
- You want the flexibility to pay with either your card or your checking account
- You don’t want to pay an annual fee
- You want to earn solid cash back rewards for your everyday purchases
Commerce Bank toggle® Card
Commerce Bank toggle® Card
- 19.49% to 30.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.49% to 30.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 30.49% variable based on the Prime Rate Cash Advance APR
At a Glance
The toggle® Card from Commerce Bank is a cash back rewards credit card that syncs to your existing Commerce Bank checking account. The card earns unlimited 1.5% cash back on every purchase. There is no annual fee and cardholders also can earn unlimited cash back.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Unlimited 1.5% back on all purchases
- Preset certain vendors or purchase amounts can be set to be paid of instantly (won’t increase your card balance)
- No annual fee
- Regular Purchase APR: 19.49% to 30.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 19.49% to 30.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 30.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 32.49% variable based on the Prime Rate
- Foreign Transaction Fee: 1% of each transaction in U.S. dollars. 2% of each transaction made in currencies otherthan U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Prefer a credit card without an annual fee
- Want a card with a low regular interest rate on purchases and balance transfers
- Want a credit card that earns cash back rewards
You’ve viewed 5 of 41 credit cards
About Commerce Bank Credit Cards
Commerce Bank is a unique financial institution. Though it has locations throughout the central United States, this bank offers consumers a slew of credit cards nationwide. A handful of these cards bear the Commerce Bank brand, offering cash back, miles, and many useful features.
As mentioned, Commerce Bank offers several proprietary credit cards. These cards include a secured credit card for building credit, the Commerce Bank Secured Visa®; the Commerce Miles® Visa Signature for earning travel miles; and cash back rewards can be earned through its Special Connections® line of cards.
Who Can Apply for a Commerce Bank Credit Card?
Not all Americans can apply for a Commerce Bank credit card. Commerce operates branches in the following United States states:
| Commerce Bank credit cards are available to residents of the following U.S. states the bank serves: | |||
|---|---|---|---|
| Colorado | Iowa | Missouri | Tennessee |
| Illinois | Indiana | Kansas | Ohio |
| Texas | Michigan | Oklahoma | |
What Brands Offer Credit Cards Through Commerce?
Commerce Bank is also a leading issuer of co-branded credit cards with brands across various industries. Interestingly, Commerce retail and store credit cards are all open-loop, meaning are part of a payment network – like Visa or Mastercard – and as such, are usable where those networks are accepted worldwide.
Many other issuers, like Comenity, Synchrony, and Citi, also issue several closed-loop credit cards for big retail, travel, and hospitality brands. A closed-loop credit card is a type of credit card that can only be used for purchases within a specific network or at a particular merchant or group of merchants. They are typically designed to incentivize brand loyalty and encourage spending within that specific store.
So, what brands offer credit card products through Commerce Bank? The list includes an impressive group of names, including local Midwest favorites and national household names:
| Boy Scouts of America | AOPA | Save the Children | Kansas City Zoo |
| Kansas City Royals | Fishing League Worldwide | Garfield | Drury Hotels |
Commerce Bank is also one of the largest issuers of alumni credit cards, along with Bank of America. Alumni credit cards appear similar to student credit cards but differ significantly on who they are targeted to.
What are Alumni Credit Cards?
Student credit cards are designed for college-age individuals and are new to credit or anyone enrolled in an eligible school through the National Clearing House. These cards help students establish a strong credit history during their college years, and as such, they have features tailored toward students, including good grade incentives, lower credit limits, and easier credit access.
Alumni credit cards, on the other hand, are geared towards those who have already graduated but still want to show their school pride with every purchase. These cards are the same as a traditional cash back or travel rewards card – only with the exclusive branding of one’s alma mater.
Alumni credit cards often come with unique features and rewards tailored to the interests and affiliations of graduates. Many alumni credit cards align their reward categories with the spending habits of their target audience. Additionally, some alumni cards contribute a percentage of your purchases back to the school or its affiliated organizations. This can be a way to give back to your school while making everyday purchases.
Here are just a few schools that partner with Commerce Bank to issue credit cards for alumni:
| Bryant University | Central Connecticut State University | University of Florida | University of Idaho |
| Central Michigan University | North Dakota State University | Valparaiso | Webster University |
Common Features of Commerce Bank Credit Cards
There are several common features of Commerce Bank credit cards. These factors typically include the following:
| Rewards: | Many Commerce Bank credit cards offer reward programs allowing you to earn points, cash back, or miles for purchases. These rewards can often be redeemed for travel, gift cards, statement credits, or merchandise. Additionally, many Commerce Bank credit cards offer similar reward structures, with common bonus categories including rideshare, gas, fast food, coffee shops, and more. | ||
| Introductory Offers: | Some Commerce Bank cards may offer introductory offers, such as 0% APR on balance transfers or purchases for a specified period. This can help you save on interest or consolidate existing debt. | ||
| Security Features: | Commerce Bank cards usually come with security features like EMV chip technology and fraud protection. These measures help keep your card and your financial information safe. | ||
| No Annual Fee: | The majority of Commerce Bank credit cards do not charge an annual fee, which is a great feature for an everyday credit card. | ||
Commerce Bank Credit Card Rewards
Commerce Bank offers some pretty niche bonus rewards categories on its cash back credit cards. Specifically, most of these cards earn 3% cash back on purchases made at coffee shops, fast food restaurants, and on ridesharing. An additional 2% can be earned at gas stations and dine-in restaurants. These options also include cards from smaller banks, like the BTC Bank Visa.
These categories make sense for many offers that are co-branded with university alumni associations, but they may not offer as much value on other cards. Ultimately, you’ll want to consider your spending habits when weighing the benefits of these cards for your wallet. On the other hand, travel rewards cards offer a more traditional spread of rewards for cardholders. Statement credits and lounge access come with some of these cards as well.
Commerce Bank Rewards Redemption
The redemption opportunities for this bank offer a bit more flexibility than the categories for earnings. Once you have Commerce Bank rewards to redeem, you can choose from any of the following redemption options:
| Gift cards | Airfare | Fuel discounts | Merchandise | Statement credits |
FAQs About Commerce Bank
Still have some questions about Commerce Bank, its proprietary and co-branded cards, or its retail and student credit cards? Here are some answers to commonly asked questions:
Commerce Bank customer service agents are available via phone at 1-800-645-2103.
If you choose to mail your payment, checks can be sent to:
PO Box 410857. Kansas City, MO 64141-0857
Commerce Bank reports to all three major credit bureaus (TransUnion, Experian, and Equifax), meaning you enjoy maximum credit-building capabilities with the bank.
No. Commerce Bank has a footprint in 48 U.S. states.
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