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Commerce Bank toggle® Card

Cory Santos

| Last updated on October 17th, 2023


Commerce Bank toggle® Card

Commerce Bank toggle® Card
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
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None Annual Fee

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

Commerce Bank toggle® Card Review

The Commerce Bank toggle® Card is a versatile rewards credit card from Midwestern bank Commerce Bank. The card is designed to help cardholders save on everyday purchases, earning unlimited cash back on everything from gas and coffee to ride shares and fast food.

How Does toggle® Work?

Commerce heralds the toggle® Card as a different take on cash back, and they back it up. The toggle® Card connects to an existing Commerce checking account, allowing cardholders to set up autopay on certain purchases to reduce their statement balance and keep their credit utilization as low as possible.

The toggle tool lets the customer decide before the statement reflects the new charges. toggle allows customers to manage all their purchases, which are typically distributed across multiple credit and debit cards, using only their Commerce Bank credit card.

With toggle you can select from these three options:
Pay Now Enables customers to specify the types of purchases that they wish to immediately have paid from their checking account, like groceries and gas, to avoid paying interest on these purchases when they post to their credit card. Customers simply turn the toggle switch to the ON position for each category that represents the types of credit card purchases they desire to Pay Now from their linked checking account. Pay Now also gives customers choice by selecting entire merchant categories, above or below a selected dollar amount, or by combining merchant category and amount.
Pay Later Lets the customer leave designated credit card transactions on the card and manage that balance as they normally would. They may choose to Pay Later by turning the toggle switch to the OFF position, deleting a checking account or cancelling toggle.
Unwind Enables customers to move a Pay Now purchase back to the credit card account so they can Pay Later. Unwind gives ultimate control and flexibility by allowing movement back to the credit card for any Pay Now transaction within the past 30 days.

$150 New Cardholder Offer

New accounts with the toggle® Card enjoy a simple welcome bonus upon meeting minimum spending requirements. Get a $150 cash back bonus after spending $1,000 on purchases within your first three (3) months after account opening. That welcome bonus is generous and easy to achieve – requiring a modest $333 per month for the initial three months from opening.

Earn Unlimited Cash Back on All Purchases

The Commerce Bank toggle® Card earns an unlimited 1.5% cash back on purchases all purchases. Previously, the card earned 3% back at coffee shops and fast-food restaurants, making it a decent choice for those who want a quick lunch or latte. Now, however, the rewards are streamlined, which, while frustrating for those who want to maximize their earnings, removes the need to track merchant codes meticulously.

How to Redeem Rewards with Commerce

Cardholders can redeem their rewards for a wide array of options:

Redeem Commerce Bank rewards for:
Airfare Hotel vouchers Car rentals Gift cards
Statement credits Fuel discounts Charity

Commerce Bank Credit Card Comparison

toggle® Visa Card

Special Connections®

World Elite Mastercard®
Annual fee $0 $0 $95
Rewards 3% cash back at coffee shops, fast food, and ride shares, 2% cash back on gas and restaurant purchases, and 1% back on all other purchases Unlimited 1.5% cash back on all purchases Unlimited 3% cash back on dining and at coffee shops and 1.5% cash back on all purchases
Intro APR N/A N/A 0% for 12 months on purchases and BTs
Other Cell phone protection No preset spending limit LoungeKey lounge access, TSA PreCheck credits, no preset spending limit

Other Card Features

The toggle Card from Commerce Bank also features Visa Platinum protections and benefits, including:

Zero Fraud Liability Cardholder Inquiry Services Emergency Card Replacement
Roadside Dispatch and Auto Collision Damage Waiver Lost/Stolen Card Reporting ID Navigator from Norton

Commerce Bank Ratings

What’s it like to live with Commerce Bank as a credit card issuer and bank? Here is a selection of reviews for the Midwestern bank:

Should You Apply for Commerce Bank toggle® Card?

The toggle® Card from Commerce Bank is another unique credit card innovation from bank chock full of them. The card earns 3% cash back on fast food, coffee shop, and rideshare purchases, 2% cash back at gas stations and all other restaurants, and 1% back on every other purchase.

What’s unique about the card, however, is that it connects to an existing Commerce Bank account. This allows cardholders to switch between debit and credit – want to pay off smaller purchases instantly? Set them to debit but leave groceries as credit. It’s up to you. Overall, this is a great innovation that adds significant value.

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