Chip Lupo, Credit Card Writer
@CLoop
Commerce Bank’s credit score requirement is 700 or higher for most cards. One exception is the Commerce Bank Secured Credit Card because it requires a credit score of at least 300 for approval, which is considered bad credit.
Keep in mind that it’s best to wait to apply for a given card until you meet the credit score requirement. You can check your credit score for free on WalletHub.
Credit Score Recommended by Commerce Bank Card
- Commerce Bank Secured Credit Card: 300 (Bad credit)
- Drury Rewards Credit Card: 700 (Good credit)
- National Association of Social Workers (NASW) Credit Card: 700 (Good credit)
- AOPA Credit Card: 700 (Good credit)
- Kansas City Zoo Credit Card: 700 (Good credit)
- Florida Nurses Association (FNA) Credit Card: 700 (Good credit)
- Commerce Bank Miles® Credit Card: 700 (Good credit)
Note that while your credit score is very important, plenty of other things will impact your chances of being approved for a Commerce Bank credit card. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment status.
Finally, keep in mind that lenders might use a different score when deciding whether to approve you for a financial product and approval is never guaranteed.
People also ask
How can I talk to Commerce Bank customer service?
To talk to Commerce Bank customer service, call 855-659-1656 and then follow the prompts. This process will get you in contact with a live Commerce Bank representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to Commerce Bank Customer Service by Phone
- Call the Commerce Bank customer service department at 855-659-1656.
- Follow the prompts.
- Speak to the live representative.
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read full answer by Maria Adams, Credit Cards ModeratorHow do I apply for Commerce Bank Business Platinum Card?
The easiest way to apply for the Commerce Bank Business Platinum Credit Card is online, and you can get to the online application by clicking the “Learn More” button on WalletHub or by going directly to Commerce Bank’s website. Alternatively, you can apply in person.
Keep in mind that the Commerce Bank Business Platinum Credit Card requires excellent credit, which means you need a 750+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily...
read full answer by John Miller, Credit Cards ModeratorHow many credit cards should I have for good credit?
You only need one credit card for good credit because simply having an open credit card account is the most efficient way to build and maintain a good (or even excellent) credit score. But the actual number of credit cards you have doesn’t make up a huge part of your credit score – roughly 5%-10%. The more important factors are your payment history, the total amount of your debts, and the total of your credit limits.
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read full answer by WalletHub, Financial CompanyDid we answer your question?
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