Last updated on September 27th, 2023
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Garfield Visa with Rewards Review
The Garfield Visa® with Rewards from Commerce Bank is a cash back rewards card that works well everyday – including Mondays. The card earns an impressive 3% cash back on purchases at coffee shops, fast food joints, and with ride-sharing services. The card also earns 2% cash back at gas stations, as well as at restaurants, meaning cardholders can stuff their faces with lasagna and receive rewards for doing so! All other purchases with the card earn 1% cash back.
There are no limits to the number of rewards you can earn with the Garfield Visa with Rewards Cards’, and awards aren’t limited to just cash back. For those who prefer rewards they can touch, the card offers the option of redeeming for gift cards, merchandise, travel awards, and much more.
The Garfield Visa® with Rewards, like other credit card options from Commerce Bank, comes with an excellent introductory interest rate. New account holders receive an intro APR of 1.99% for the first 6 months on both balance transfers and purchases, followed by a competitive rate after that. For those with excellent credit, typical APRs start at around 17%, which while not exceptional, falls in line with the average interest rates of similar cards.
Should You Apply for the Garfield Visa with Rewards Card?
Overall, the Garfield Visa® with Rewards is a fun rewards card for the Garfield aficionado. The card, with unlimited points earning potential, great cash back rewards, and no annual fee, is a great choice for someone who likes their rewards but wants to express themselves at the same time.
While there might be better offerings available for cash back credit cards, there aren’t many. The Garfield Card, as with other Commerce Bank offerings, earns healthy cash back in everyday purchases. Not only that, but the card has a cool factor that isn’t found in many other cards. Sure, there are more stylish cards, such as the Discover cash back cards, but everyone loves Garfield, so this card puts a little fun back in your wallet!