| Last updated on October 18th, 2023
Eagle Scout Visa Rewards Credit Card
Eagle Scout Visa Rewards Credit Card
Eagle Scout Visa Rewards Credit Card
- 20.49% to 30.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.49% 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
- 1.99% for 6 months from account opening date Intro Purchase APR
At a Glance
The Eagle Scout Visa® Rewards Credit Card offers unlimited cash back rewards and savings for anyone who wishes to show their support for the National Eagle Scouts of America (NESA). Cardholders will see a portion of each purchase donated to the NESA, along with flexible reward redemption options and the opportunity to earn cash back from every eligible purchase.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Support the National Eagle Scouts of America with every purchase
- No annual fee
- Earn unlimited cash back
- Earn 3% cash back at coffee shops and fast food restaurants, and with ridesharing services
- Earn 2% cash back on gas and dining (restaurants)
- Earn 1% cash back on all other eligible purchases
- Intro Purchase APR: 1.99% for 6 months from account opening date
- Regular Purchase APR: 20.49% to 30.49% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 1.99% for 6 months from account opening date
- Balance Transfer APR: 20.49% 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: Up to 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- You want to support the National Eagle Scouts of America
- You would like to earn unlimited cash back from every purchase
- You would like the flexibility to redeem your cash back for a variety of great rewards
- You regularly use rideshare services, frequent coffee shops, and/or enjoy fast food often
- You want a rewards credit card that doesn’t charge an annual fee
Eagle Scout Visa® Rewards Credit Card Review
For those who have achieved Scouting’s highest rank, the Eagle Scout Visa® Rewards Credit Card is a great way to show off that Scouting spirit with no annual fee while earning cash back rewards from everyday purchases.
Support the NESA with the Eagle Scout Visa® Rewards Credit Card
Cardholders also help to support the National Eagle Scouts of America each time they swipe, since Commerce Bank donates a portion of proceeds from each purchase to NESA. This is perfect for the Eagle Scout who wants to give back to the organization that helped mold them into who they are today. For former Eagle Scouts (or Boy Scouts), or family of Eagle Scouts, this is a particularly rewarding way to endorse the NESA program.
A Scout is Always Prepared… For Cash Back Rewards
The Eagle Scout Visa® Rewards Credit Card is a retail card designed to showcase the pride Eagle Scouts feel for their accomplishments and for those who support them. Like a Scout, the card is trustworthy, loyal, and helpful – so helpful that it rewards cardholders with cash back from every purchase they make. There is no cap on the amount of cash back that can be earned, and cardholders earn cash back at several different rates. These rates are based on the spending categories in which purchases are made; here’s how they break down:
| Categories | Explained | ||
|---|---|---|---|
| 3% cash back on Streaming, Cable and Ridesharing | When card is used for purchases in the streaming, cable or the ridesharing and taxis categories, including: Cable, Satellite & Other Pay TV/Radio;Record Shops; Digital Goods; and Amazon Services. The cable category does not include Google Fiber. Merchants self-select category, so not all merchants will earn additional bonus – notable exclusions include Amazon Streaming, Pandora and YouTube Music/TV. | ||
| 2% cash back on Gas, Restaurants, Fast Food | When card is used for purchases in the service station or automated fuel dispensers, restaurant, fast food restaurant, and drinking places categories. | ||
| 1% cash back on All Other Purchases | When card is used to make purchases in any other category. Merchants self-select category, so not all merchants will earn additional bonus. | ||
The 2% cash back at the gas pump, and for restaurant purchases is very nice – especially considering these purchases are very common ones for more consumers. If you regularly spend money on gas for your daily commute or enjoy dining out often, this perk is an incentive to use your Eagle Scout Visa to make those purchases. After all, a homecooked meal is great – but earning 2% back certainly is appetizing when you’re enjoying dinner at a nice restaurant at the end of a long workday.
Every eligible purchase made with the Eagle Scout Visa Credit Card earns 1% cash back. Most transactions are eligible for cash back; however, cash advances, balance transfers, convenience checks, money orders, and gambling charges do not qualify for rewards.
How to Redeem Rewards
Rewards from the Eagle Scout Visa are earned as a cash-back percentage of the net total of each purchase. Each percentage point converts to 1X reward points, which can then be redeemed for various great rewards. Cardholders can redeem their points for their choice of rewards, including:
| Redeem Commerce Bank rewards for: | |||
|---|---|---|---|
| Airfare | Hotel vouchers | Car rentals | Gift cards |
| Statement credits | Fuel discounts | Charity | |
Cardholders have three years from the calendar quarter in which rewards are earned to redeem before they expire. While this means that redeeming rewards for a small cash back credit or a smaller merchandise item is easy, those who wish to make a large redemption must remember that there is an expiration date, and plan accordingly.
How to Manage your Eagle Scout Visa® Rewards Card
Logging into your online credit card account is easy, convenient, and fast. Cardholders who wish to monitor their spending can enjoy a free online portal that provides access to the following perks and utilities:
- Receive alerts about suspicious card activity
- Cash Back Access – view and redeem your reward points for cash bacnk and more
- Set up autopay – never miss a payment by creating recurring payments
- Sign up for E-Statements
- Add an authorized user
- Special Connections™ – Use your credit card to access cash from your other accounts at the ATM or in-store.
Visa Platinum Benefits
The NASW Visa 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:
| BestCards | Better Business Bureau | TrustPilot |
|
4.5/5 |
1.5/5 |
3/5 |
Should You Apply for the Eagle Scout Visa® Rewards Credit Card from Commerce Bank?
For Eagle Scouts and individuals who want to contribute to the National Eagle Scouts of America with each purchase they make, the Eagle Scout Visa® Rewards Card is a great fit. It offers cash back rewards for everyday spending and gives back to the community simultaneously. It also gives cardholders who plan ahead the opportunity for satisfactory savings. It can be a lucrative credit card offer for anyone who uses it every day. Eagle Scouts should always be prepared, however – and that means doing their due diligence to find the best card for their financial needs.
If you use the Eagle Scout Visa to carry a balance of $1,000 for all six months of the introductory APR, you’d pay $20 each billing cycle. This adds up to $120 in interest charges even before the standard APR is applied to the remaining balance. A card that charges an intro APR of 0% like the Cash Magnet® Card from American Express would incur $0 in interest charges during the same time frame. The Cash Magnet Card also features an introductory period that lasts for a whopping 15 months – more than double that of the Eagle Scout Visa. The longer the intro APR period lasts, the more opportunity there is for savings, so keep this in mind when shopping for a new credit card.
Prospective cardholders should also weigh the pros and cons of the standard APR – there are certainly options that offer similar benefits while bumping up savings thanks to a low APR. Another factor to consider is the sign-up bonus, or lack thereof.
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.