Commerce Bank Credit Cards Credit Card Reviews

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Commerce Miles® Visa Signature

Added to Compared Cards

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

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Terms & Conditions

Date Reviewed: July 16, 2021

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

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FLW Visa® Rewards Card

Added to Compared Cards

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

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Terms & Conditions

Date Reviewed: July 16, 2021

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

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NDSU Visa® Rewards Card

Added to Compared Cards

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

Read Review Visit Card Site

Terms & Conditions

Date Reviewed: July 16, 2021

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

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NASW Visa® Rewards Credit Card

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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

Read Review Visit Card Site

Terms & Conditions

Date Reviewed: July 16, 2021

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

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Valparaiso Alumni Visa® Rewards Credit Card

Added to Compared Cards

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

Read Review Visit Card Site

Terms & Conditions

Date Reviewed: July 16, 2021

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

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William & Mary Alumni Association Visa® Signature Card

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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

Read Review Visit Card Site

Terms & Conditions

Date Reviewed: July 16, 2021

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

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Whitetails Unlimited Visa® Rewards Card

Added to Compared Cards

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

Read Review Visit Card Site

Terms & Conditions

Date Reviewed: July 16, 2021

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

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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% 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

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ISNA Visa® Signature Card

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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

Read Review Visit Card Site

Terms & Conditions

Date Reviewed: May 19, 2021

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

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Webster University Rewards Visa® Card

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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

Read Review Visit Card Site

Terms & Conditions

Date Reviewed: July 16, 2021

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: 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

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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.

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.

About Commerce Bank Credit Cards

Commerce Bank Card Features

How to Apply for a Commerce Bank Credit Card

Commerce Bank Credit Card Rewards

How to Earn Rewards

Commerce Bank Rewards Redemption

Charitable Donations

Browse the Top Credit Cards

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