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Commerce Miles® Visa Signature
- Regular Purchase APR 12.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 12.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 12 months from account opening date
- Processing Network Visa
Best Benefits
- 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
Rates & Fees
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 12.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 12.24% to 25.24% 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: 25.24% 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: 27.24% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $40
Credit Card Deals
15% discount using your VISA Credit Card on Floward Floward Offer Expires on Jul 07, 2021 See Details
Save 5% at La Quinta Inns & Suites La Quinta Inns & Suites Offer Expires on Dec 12, 2021 See Details
Rent a Wheels pedal-less E-Bike for safe and efficient Wheels Labs, Inc. Offer Expires on Aug 08, 2021 See Details
FLW Visa® Rewards Card
- Regular Purchase APR 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 1.99% for 6 months from account opening date
- Processing Network Visa
Best Benefits
- No annual fee
- Earn 3% cash back on fast food, coffee shop, and ridesharing purchases
- Earn 2% cash back on dining and gas, and 1% cash back on everything else
- Receive a free FLW membership and all sorts of FLW perks
Rates & Fees
- Intro Purchase APR: 1.99% for 6 months from account opening date
- Regular Purchase APR: 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 1.99% for 6 months from account opening date
- Balance Transfer APR: 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Penalty APR: 27.24% variable based on the Prime Rate
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars; 2% of the transaction amount in other currencies
- Late Payment Penalty Fee: Up to $40
Credit Card Deals
15% discount using your VISA Credit Card on Floward Floward Offer Expires on Jul 07, 2021 See Details
Save 5% at La Quinta Inns & Suites La Quinta Inns & Suites Offer Expires on Dec 12, 2021 See Details
Rent a Wheels pedal-less E-Bike for safe and efficient Wheels Labs, Inc. Offer Expires on Aug 08, 2021 See Details
NDSU Visa® Rewards Card
- Regular Purchase APR 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 1.99% for 6 months from account opening date
- Processing Network Visa
Best Benefits
- Earn 3% cash back on rideshares and fast food, including at cafes
- Earn 2% cash back at gas stations and dine-in restaurants
- Earn 1% cash back on all other purchases
- Low introductory APR
Rates & Fees
- Intro Purchase APR: 1.99% for 6 months from account opening date
- Regular Purchase APR: 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 1.99% for 6 months from account opening date
- Balance Transfer APR: 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 25.24% 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: 27.24% variable based on the Prime Rate
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars; 2% of the transaction amount in other currencies
- Late Payment Penalty Fee: Up to $40
Credit Card Deals
15% discount using your VISA Credit Card on Floward Floward Offer Expires on Jul 07, 2021 See Details
Save 5% at La Quinta Inns & Suites La Quinta Inns & Suites Offer Expires on Dec 12, 2021 See Details
Rent a Wheels pedal-less E-Bike for safe and efficient Wheels Labs, Inc. Offer Expires on Aug 08, 2021 See Details
NASW Visa® Rewards Credit Card
- Regular Purchase APR 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 1.99% for 6 months from account opening date
- Processing Network Visa
Best Benefits
- No annual fee
- 3% back on fast food, coffee shop, and rideshare purchases
- 2% back on gas and restaurants
- 1% back on all other purchases
Rates & Fees
- Intro Purchase APR: 1.99% for 6 months from account opening date
- Regular Purchase APR: 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 1.99% for 6 months from account opening date
- Balance Transfer APR: 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
- Penalty APR: 27.24% variable based on the Prime Rate
- Foreign Transaction Fee: 1% of each transaction in U.S. dollars; 2% of each transaction made in currencies other than U.S. dollars
- Late Payment Penalty Fee: Up to $40
Credit Card Deals
15% discount using your VISA Credit Card on Floward Floward Offer Expires on Jul 07, 2021 See Details
Save 5% at La Quinta Inns & Suites La Quinta Inns & Suites Offer Expires on Dec 12, 2021 See Details
Rent a Wheels pedal-less E-Bike for safe and efficient Wheels Labs, Inc. Offer Expires on Aug 08, 2021 See Details
Valparaiso Alumni Visa® Rewards Credit Card
- Regular Purchase APR 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 1.99% for 6 months from account opening date
- Processing Network Visa
Best Benefits
- Earn 1% cash back on uncategorized purchases
- Earn 2% cash back on gas and traditional dining
- Earn 3% cash back for ridesharing and fast food, including at cafes
- Get a low introductory interest rate and flexible rewards redemption
Rates & Fees
- Intro Purchase APR: 1.99% for 6 months from account opening date
- Regular Purchase APR: 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 1.99% for 6 months from account opening date
- Balance Transfer APR: 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 of 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 of 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 27.24% variable based on the Prime Rate
- Foreign Transaction Fee: 1% of the transaction in U.S. dollars; 2% of the transaction amount in other currencies
- Late Payment Penalty Fee: Up to $40
Credit Card Deals
15% discount using your VISA Credit Card on Floward Floward Offer Expires on Jul 07, 2021 See Details
Save 5% at La Quinta Inns & Suites La Quinta Inns & Suites Offer Expires on Dec 12, 2021 See Details
Rent a Wheels pedal-less E-Bike for safe and efficient Wheels Labs, Inc. Offer Expires on Aug 08, 2021 See Details
William & Mary Alumni Association Visa® Signature Card
- Regular Purchase APR 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 1.99% for 6 months from account opening date
- Processing Network Visa
Best Benefits
- No annual fee
- Earn 3% cash back at coffee shops and fast food restaurants and through rideshare services
- Earn 2% at restaurants and gas stations, and 1% everywhere else
- Enjoy a reduced APR for 6 months on purchases and balance transfers
Rates & Fees
- Intro Purchase APR: 1.99% for 6 months from account opening date
- Regular Purchase APR: 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 1.99% for 6 months from account opening date
- Balance Transfer APR: 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 25.24% 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: 27.24% variable based on the Prime Rate
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars; 2% of the transaction amount in other currencies
- Late Payment Penalty Fee: Up to $40
Credit Card Deals
15% discount using your VISA Credit Card on Floward Floward Offer Expires on Jul 07, 2021 See Details
Save 5% at La Quinta Inns & Suites La Quinta Inns & Suites Offer Expires on Dec 12, 2021 See Details
Rent a Wheels pedal-less E-Bike for safe and efficient Wheels Labs, Inc. Offer Expires on Aug 08, 2021 See Details
Whitetails Unlimited Visa® Rewards Card
- Regular Purchase APR 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 1.99% for 6 months from account opening date
- Processing Network Visa
Best Benefits
- No annual fee
- Earn 3% cash back on fast food, coffee shop, and rideshare purchases
- Earn 2% cash back on dining and gas, and 1% on everything else
- Enjoy reduced intro APR on balance transfers and purchases for 6 months
- Receive a free Realtree™ cap with your first purchase
Rates & Fees
- Intro Purchase APR: 1.99% for 6 months from account opening date
- Regular Purchase APR: 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 1.99% for 6 months from account opening date
- Balance Transfer APR: 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 25.24% 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: 27.24% variable based on the Prime Rate
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars; 2% of the transaction amount in other currencies
- Late Payment Penalty Fee: Up to $40
Credit Card Deals
15% discount using your VISA Credit Card on Floward Floward Offer Expires on Jul 07, 2021 See Details
Save 5% at La Quinta Inns & Suites La Quinta Inns & Suites Offer Expires on Dec 12, 2021 See Details
Rent a Wheels pedal-less E-Bike for safe and efficient Wheels Labs, Inc. Offer Expires on Aug 08, 2021 See Details
UVM Alumni Visa Signature®
- Regular Purchase APR 18.74% variable based on the Prime Rate
- Balance Transfer APR 18.74% variable based on the Prime Rate
- Cash Advance APR 26.74% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 12 months from account opening date
- Processing Network Visa
Best Benefits
- Get 3% cash back at cafes and fast food restaurants, plus on rideshares
- Get 2% cash back on gas and dining
- Get 1% on uncategorized purposes
- Donate $50 to UVM the first time you use the card, and $.25 per $100 spent thereafter
- Get a free University of Vermont coffee table book
Rates & Fees
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 18.74% variable based on the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months from account opening date
- Balance Transfer APR: 18.74% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 26.74% 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: 28.74%
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars; 2% of the transaction amount in other currencies
- Late Payment Penalty Fee: Up to $40
Credit Card Deals
15% discount using your VISA Credit Card on Floward Floward Offer Expires on Jul 07, 2021 See Details
Save 5% at La Quinta Inns & Suites La Quinta Inns & Suites Offer Expires on Dec 12, 2021 See Details
Rent a Wheels pedal-less E-Bike for safe and efficient Wheels Labs, Inc. Offer Expires on Aug 08, 2021 See Details
ISNA Visa® Signature Card
- Regular Purchase APR 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 1.99% for 6 months from account opening date
- Processing Network Visa
Best Benefits
- No annual fee
- Earn 3% cash back on coffee shop, fast food, and ridesharing purchases
- Earn 2% cash back on gas and dining and 1% cash back on everything else
- Reduced introductory APR for 6 months on balance transfers and purchases
Rates & Fees
- Intro Purchase APR: 1.99% for 6 months from account opening date
- Regular Purchase APR: 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 1.99% for 6 months from account opening date
- Balance Transfer APR: 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 25.24% 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: 27.24%
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars; 2% of the transaction amount in other currencies
- Late Payment Penalty Fee: Up to $40
Credit Card Deals
15% discount using your VISA Credit Card on Floward Floward Offer Expires on Jul 07, 2021 See Details
Save 5% at La Quinta Inns & Suites La Quinta Inns & Suites Offer Expires on Dec 12, 2021 See Details
Rent a Wheels pedal-less E-Bike for safe and efficient Wheels Labs, Inc. Offer Expires on Aug 08, 2021 See Details
Webster University Rewards Visa® Card
- Regular Purchase APR 13.24% to 19.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 13.24% to 19.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 1.99% for 6 months from account opening date
- Processing Network Visa
Best Benefits
- 2% cash back on gas and dining
- 3% cash back at coffee shops, and on rideshares and fast food
- 1% cash back for uncategorized expenses
- 1.99% introductory APR
Rates & Fees
- Intro Purchase APR: 1.99% for 6 months from account opening date
- Regular Purchase APR: 13.24% to 19.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 1.99% for 6 months from account opening date
- Balance Transfer APR: 13.24% to 19.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 25.24% 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: 28.24% variable based on the Prime Rate
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars; 2% of the transaction amount in other currencies
- Late Payment Penalty Fee: Up to $40
Credit Card Deals
15% discount using your VISA Credit Card on Floward Floward Offer Expires on Jul 07, 2021 See Details
Save 5% at La Quinta Inns & Suites La Quinta Inns & Suites Offer Expires on Dec 12, 2021 See Details
Rent a Wheels pedal-less E-Bike for safe and efficient Wheels Labs, Inc. Offer Expires on Aug 08, 2021 See Details
About Commerce Bank Credit Cards
Commerce Bank is a pretty unique financial institution. Though it has locations throughout the central United States, this bank offers a slew of credit cards to consumers across the country. A handful of these cards bear the Commerce Bank brand, offering cash back, miles, and plenty of useful features.
However, Commerce credit card services also extend to many private companies who want to issue their own co-branded credit cards. Most notably, dozens of universities have partnered with Commerce to offer credit cards geared towards their students, alumni and faculty, including the CMU Visa® Signature Card, the Bryant University Alumni Visa® Rewards Card, the Tulsa Alumni Rewards Visa® Card, and the University of Idaho Rewards Visa. Several organizations and charitable foundations can be found in the mix as well. Here are just a few groups you’ll find with Commerce credit cards:
- Kansas City Royals
- Arbor Day Foundation
- Boy Scouts of America
- University of Florida
- Kansas City Zoo
Commerce Bank Card Features
There are a few common features that all Commerce Bank credit cards share. Check them out below:
- Flexible pay with toggle® gives you the ability to itemize your credit card transactions in order to choose which to pay right away and which to pay later
- Card lock technology protects your accounts in the event that you temporarily misplace your credit card
- Digital wallet compatibility allows for contactless pay when you set your card up with Apple Pay, Google Pay, Samsung Pay, and others
- Visa® Location Confirmation so you can use your card while traveling without worrying about declined transactions
- Fingerprint and facial recognition security features add extra protection for those with a compatible device
How to Apply for a Commerce Bank Credit Card
For the majority of its credit card offers, Commerce Bank allows you to submit your application quickly and securely online. However, there are certain Commerce-branded cards that require an in-person application. Note that the credit score needed for Commerce Bank credit card is 670 and up. In other words, you’ll want to have good to excellent credit if you want one of these offers.
Commerce Bank Credit Card Rewards
Upon receiving Commerce bank credit card approval, you can start to earn rewards on all of your purchases. Each of these rewards credit cards earns a base of 1% of cash back on all purchases, plus additional rewards in certain bonus categories.
How to Earn 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 a lot of the offers cobranded with universities, but may not offer as much value on some of the other cards available. Ultimately, you’ll want to consider your spending habits when weighing the benefits of these cards for your wallet.
The travel rewards cards, on the other hand, 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 earning. Once you have Commerce rewards to redeem, you can choose from any of the following redemption options:
- Digital or physical gift cards
- Statement credits
- Discounts on fuel
- Airfare
- merchandise
Travel rewards can also be redeemed for auto rental and hotel vouchers. Keep in mind that while you can collect an unlimited amount of cash back, but any unused rewards expire after three years. In addition, some of these redemption options (such as the airfare) come with certain rules and restrictions.
Charitable Donations
One of the other major ways you can choose to redeem your rewards is for charitable donations. This should come as no surprise, considering that several Commerce Bank credit cards are cobranded with popular nonprofits.
The Best Commerce Bank Credit Cards
- Building Credit: Commerce Bank Secured Visa® Card
- Ultimate Control of Your Finances: Commerce Bank toggle® Card
- Charitable Donations: Save the Children Visa Signature Card
- Supporting the Scouts: Eagle Scout Visa® Rewards Credit Card
- Animal Lovers: Kansas City Zoo Visa with Rewards Card
- Sports Fans: Kansas City Royals Mastercard
- Rewards: Commerce Bank World Elite Mastercard®
- Hotel Rewards: Westgate Rewards Mastercard
- Monday Haters: Garfield Visa with Rewards
- MO Lawyers: BAMSL Visa Signature® Rewards Card
- Honors Society Members: Beta Gamma Signa Rewards Visa
Browse the Top Credit Cards
Check out our Commerce Bank credit card reviews as well as hundreds of other unbiased and informative reviews for other card offers. If you’d like to learn more about credit card best practices, news, and top offers, peruse our in-depth articles as well.
