Commerce Bank Credit Cards

 

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.