| Last updated on December 14th, 2023
Commerce Miles® Visa Signature
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
Commerce Miles® Review
Commerce Miles® is an intriguing travel rewards credit card from Commerce Bank. The no annual fee card offers an excellent earning rate that places it on equal footing with the Wells Fargo Propel American Express.
0% Intro APR
The Commerce Miles® Visa also benefits from a lengthy-introductory APR. New accounts enjoy 0% intro APR for 12 months on purchases, followed by a very competitive APR after that. Applicants with excellent credit can expect an interest rate for both purchases and balance transfers that is roughly four percentage points lower than the national average for a travel rewards credit card.
How to Earn Rewards
The Commerce Miles® Visa offers its best points-potential on travel. The card earns 2.5X points on all eligible travel purchases, which include:
| Eligible transaction categories: | |||
|---|---|---|---|
| Airfare | Car rentals | Hotels | Timeshares |
| Rideshares | Taxis | Travel agencies | Limos |
The 2.5X miles on travel purchases is a broad category – especially when rideshare services are included. Because Uber is classified as a rideshare, the card also earns 2.5X points on UberEATS purchases made through the Uber app – making it a decent delivery credit card as well.
All other purchases with the card earn a single point per dollar spent (1X). Commerce Bank rewards expire after four years.
How to Redeem Rewards
Redeeming reward miles with Commerce applies to any of the following redemption options:
| Redeem Commerce Bank rewards for: | |||
|---|---|---|---|
| Airfare | Hotel vouchers | Car rentals | Gift cards |
| Statement credits | Fuel discounts | Charity | |
There are no blackout dates or restrictions when redeeming miles.
Travel Card Comparison
| Commerce Miles® | Upgrade Cash Rewards Visa | LATAM Airlines Mastercard | |
|---|---|---|---|
| Annual fee | $0 | $0 | $0 |
| Rewards | 2.5X miles on travel purchases, including airfare, hotels, and rideshares; 1X on all else | 1.5% unlimited cash back on card purchases every time you make a payment | 3X miles on LATAM purchases; 2X on dining, plus rideshares, taxis, and public transit; 1X on all else |
| FTX fee | None | None | None |
| Issuer | Commerce Bank | Upgrade | Cardless |
Travel without Hassle
The Commerce Miles® offers a lot of positives for those planning to take the card abroad. First and foremost, the Miles Card benefits from the near-global acceptance of the Visa payment network.
Visa is the largest payment network globally, with over 45 million merchants accepting Visa credit cards in over 200 countries. American Express, for comparison, is the third-largest payment network, with limited availability outside of North America, Western Europe, and Southeast Asia.
Beyond the near-global Visa network, Commerce Miles® cardholders enjoy no foreign transaction fees, Visa’s Auto Rental Collision Damage Waiver, and other travel perks, including:
| Zero Fraud Liability | Cardholder Inquiry Services | Emergency Card Replacement | Luxury Hotel Collection | Extended Warranty Coverage |
| Roadside Dispatch | Lost/Stolen Card Reporting | ID Navigator from Norton | Travel & Emergency Assistance |
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:
| BestCards | Better Business Bureau | TrustPilot |
|
4.5/5 |
1.5/5 |
3/5 |
Should You Apply for the Commerce Miles® Card?
The Commerce Miles® Visa is a very enticing offer for the traveler who wants a versatile rewards card but does not want to pay an annual fee. The 0% into APR makes the card perfect for financing a getaway, while the Visa payment network and no foreign transaction fees mean the card will be useful no matter where the plane’s wheels touch down
The addition of rideshares is another great feature, making the card a valuable earner when ordering in via UberEATS. The lack of a gas category for 2.5X points is a major letdown, especially as it is a Propel feature.
Overall, the Commerce Miles® is a great travel card for the budget-conscious traveler – or anyone that wants a versatile rewards card for the occasional trek overseas =-or to their favorite bed and breakfast.
Browse Other Card Offers:
Editorial Disclosure – The opinions expressed on BestCards.com's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, BestCards.com lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.