I have no complaints necessarily. It would be nice if there was a sign-up bonus like there are on a lot of other cards, but at least there's the miles rewards.
show more
show less
Product: Commerce Bank Credit Cards
Comment
Ad Disclosure
Compare Commerce Bank Credit Cards
Please find below credit cards offered by Commerce Bank.
Purchase Intro APR→Not Offered
Transfer Intro APR→Not Offered
Regular APR→16.24% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
16.24% (V)
annual fee
$0
rewards rate
1 - 5 points / $1
Rewards Bonus
15,000 points
Rewards Bonus
15,000 points
minimum credit
Good Credit
Secured Credit Card→Min Deposit of $400
One-Time Fees→None
Regular APR→18.24% (V)
Secured Card
Min Deposit of $400
One-Time Fees
None
Regular APR
18.24% (V)
annual fee
$49
monthly fee
None
minimum credit
Bad Credit
Purchase Intro APR→1.99% for 6 months
Transfer Intro APR→1.99% for 6 months|Transfer Fee: 5% (min $10)
Regular APR→15.24% - 25.24% (V)
Purchase Intro APR
1.99% for 6 months
Transfer Intro APR
1.99% for 6 months|Transfer Fee: 5% (min $10)
Regular APR
15.24% - 25.24% (V)
annual fee
$0
rewards rate
1 - 3 points / $1
minimum credit
Good Credit
Purchase Intro APR→1.99% for 6 months
Transfer Intro APR→1.99% for 6 months|Transfer Fee: 5% (min $10)
Regular APR→15.24% - 25.24% (V)
Purchase Intro APR
1.99% for 6 months
Transfer Intro APR
1.99% for 6 months|Transfer Fee: 5% (min $10)
Regular APR
15.24% - 25.24% (V)
annual fee
$0
rewards rate
1 - 3 points / $1
minimum credit
Good Credit
Purchase Intro APR→1.99% for 6 months
Transfer Intro APR→1.99% for 6 months|Transfer Fee: 5% (min $10)
Regular APR→15.24% - 25.24% (V)
Purchase Intro APR
1.99% for 6 months
Transfer Intro APR
1.99% for 6 months|Transfer Fee: 5% (min $10)
Regular APR
15.24% - 25.24% (V)
annual fee
$0
rewards rate
1 - 3 points / $1
minimum credit
Excellent Credit
Purchase Intro APR→0% for 6 months
Transfer Intro APR→0% for 6 months|Transfer Fee: 5% (min $10)
Regular APR→15.24% - 25.24% (V)
Purchase Intro APR
0% for 6 months
Transfer Intro APR
0% for 6 months|Transfer Fee: 5% (min $10)
Regular APR
15.24% - 25.24% (V)
annual fee
$0
rewards rate
1 - 3 points / $1
minimum credit
Good Credit
Purchase Intro APR→1.99% for 6 months
Transfer Intro APR→1.99% for 6 months|Transfer Fee: 5% (min $10)
Regular APR→15.24% - 25.24% (V)
Purchase Intro APR
1.99% for 6 months
Transfer Intro APR
1.99% for 6 months|Transfer Fee: 5% (min $10)
Regular APR
15.24% - 25.24% (V)
annual fee
$0
rewards rate
1 - 3 points / $1
minimum credit
Good Credit
Want more credit cards options?WalletHub makes it easy to compare credit cards across many companies.
Commerce Bank Credit Card Reviews
3.8
2,970 reviews
What's Your Rating?
Most Recent
Most RecentMost Useful
I just got this card so this is a review of so far. They are quick to process. The signing bonus was quickly applied to my account
show more
show less
Product: Commerce Bank Credit Cards
Comment
I got a 0% APR $0 balance transfer fee offer that I took. Everything was approved. But now they claim no transfer request was received. I gave all the information but useless. Their customer service SUCKS!
show more
show less
Product: Commerce Bank Credit Cards
Comment
Commerce failed to remove a “hold” placed on my card. I called Commerce (long wait time) and the rep mistakenly blamed it on the other company. I called the other company (more wait time) and they stated that the error was made by Commerce and that the hold should’ve been removed a week earlier. I called Commerce again (even more wait time) ... only to be blindly transferred to another rep for additional wait time. Happy to finally have a live person that could possibly help me, I was greeted by the rudest phone rep that I’ve ever had the misfortune to deal with. All this after over 2 hrs wasted on the phone.
The rep was condescending and arrogant for no reason. All I wanted was the hold removed. He wanted to control the conversation and not listen to anything that I had to say. So he talked over me and ignored the relevant information that I tried to offer.This went on for sometime and the issue was never resolved. I’ll be closing my accounts after this experience. Commerce has lost a loyal customer after 20+ years. I’ll be sure and tell my new bank to send a thank you note to the obnoxious phone rep. Without him, they never would have got my business. I will also continue to write negative reviews so that others can avoid this type of poor treatment.
The rep was condescending and arrogant for no reason. All I wanted was the hold removed. He wanted to control the conversation and not listen to anything that I had to say. So he talked over me and ignored the relevant information that I tried to offer.This went on for sometime and the issue was never resolved. I’ll be closing my accounts after this experience. Commerce has lost a loyal customer after 20+ years. I’ll be sure and tell my new bank to send a thank you note to the obnoxious phone rep. Without him, they never would have got my business. I will also continue to write negative reviews so that others can avoid this type of poor treatment.
show more
show less
Product: Commerce Bank Credit Cards
Comment
They reduced my credit limit when I had a clean, on-time credit history during COVID time. In fact other banks gave me incentives of lower APR and a loan too same time so obviously my credit record was decent. But Commerce Bank decided to drop my credit limit and when I complained to consumer finance org about their shaddy practice they immediately dropped my credit limit again by approx 250 (the last payment I did) to make my available credit as 0, and sent me a letter in response to my complain that its in their terms to reduce credit as they want & they will not restore it. Obviously because of my complain somone's ego at the bank got hurt so they started acting like a child. Do NOT use this bank. Similar complains like this on other sites for Commerce Bank. Many other banks exist who are consumer friendly. Boycott Commerce Bank! I will dump this bank as soon as I pay off my credit card.
show more
show less
Product: Commerce Bank Credit Cards
Comment
I have been a customer since 2018. I have always payed my bills and had a 0 balance. I received a letter this week saying they closed my account. When I called customer service they did nothing for me. My credit score was in the 700's and my credit report shows 0 late payment on all my cards and loans! They said they closed my account because my credit score changed. 700's!!!! I guess a loyal customer with a credit score in the 700's is not a good customer. The customer service representative said I could re-apply. Why in the world would I ever re-apply with a company that is not loyal to there customers and will simply cancel a card that is in good standing at any time? One day you have the credit, the next day you don't. That is certainly a financial institution I want to rely on. What is sad is they look at it as "Oh well, we lost one customer". I am sure that they lost more than one customer and I hope that they lose a lot more!! Who did the government help during Covid-19? $10,000 of credit lost!
show more
show less
Product: Commerce Bank Credit Cards
Comment
Absolutely wonderful card just wish I had a higher credit limit but overall very good card with excellent rewards structure. Definitely recommend
show more
show less
Product: Commerce Bank Credit Cards
Comment
Best credit card I have, bar none. Amex no. 2...........................................................................................................................................................................
show more
show less
Product: Commerce Bank Credit Cards
Comment
I would just like to say thank you for keeping my account open thank you I very much appreciate y'all letting me have my card even though that I was filing bankruptcy so thank you very much for helping me trying to get my credit re-established thank you
show more
show less
Product: Commerce Bank Credit Cards
Comment
No problem with this bank's customer service . I got no interest for 18 months which was great. I as able to cash in rewards towards store credit cards for gifts.
show more
show less
Product: Commerce Bank Credit Cards
Comment
Review Commerce Bank Credit Cards
Commerce Bank Credit Card Q&A
Get answers to your questions about Commerce Bank Credit Cards below. For more general questions, visit our Answers section.
Most Popular
Most PopularMost Upvotes
Ask your Question
How do I redeem my Commerce Bank rewards?
0
UpvotesReply
Christie Matherne
@christie_matherne
Commerce Bank rewards can be redeemed online or by calling the Commerce Bank Rewards Service Center at 800-350-7193. Commerce Bank credit cards give rewards points for purchases, despite being called “cash back” cards.
You can redeem Commerce Bank credit card points for cash back (which is always issued as a statement credit), airline tickets, gift cards, fuel discounts, or merchandise. But all Commerce Bank rewards points expire 3 years after you earn them, so it's important to use them periodically. There are a few other restrictions worth noting, too.
Commerce Bank Rewards Redemption Options:
Cash Back: Minimum of 1,665 points needed to redeem. Available as a statement credit only.
Airline Tickets: If you plan to use points, you have to redeem at least 10,000 points per ticket. If your ticket is worth less than 10,000 points, you won't be refunded those points.
Airfare must be purchased through the Commerce Bank Rewards Service Center, either online or over the phone. There's no fee if you book online, but expect to pay a $40 fee for booking over the phone.
You can use points, cash, or a combination to pay. Tickets are non-refundable and can't be altered.
Gift Cards: Redeem your points for gift cards from retailers like Amazon, Bath & Body Works, AMC Theatres, Chili's and more.
Fuel Discounts: Use your Commerce Bank credit card at a participating BP location to redeem 2,000 points for a 50-cents-per-gallon discount on up to 20 gallons of fuel. But if you pump less than 20 gallons of fuel, you still use all 2,000 points.
To find eligible BP locations, search the BP Station Finder by zip code, and filter by “BPme Rewards Accepted.”
This information is accurate as of the day this answer was posted.
What are the Commerce Bank credit card credit score requirements?
0
UpvotesReply
WalletHub
@WalletHub
Most Commerce Bank credit cards are designed for people with good or excellent credit. An exception to that is the Commerce Bank Secured, which is meant for people with bad credit looking to rebuild it.
You can find a comparison of Commerce Bank credit cards here. If you're not sure which one you'd qualify for, you can check your latest credit score for free on WalletHub.
How do I check my University of South Alabama Credit Card application status?
4
UpvotesReply
Cameron Dorr
@viperguns
Your University of South Alabama Credit Card application status should arrive in your mailbox in 3-5 business days. Thank you for picking the Right Card!
Bank of America plays both sides of the fence. The National Wild Turkey Federation needs to seek a new card service. The one they are using now is also a major supporter of anti-hunting organizations such as the Defenders of Wildlife and the Humane Society of the United States. If you hunt, you need to cancel ANY Bank of America card you may be using now.
0
UpvotesReply
Wayne Hammond
@WayneHammond142
They play the field like all fence riders! It's time we pushed them off their throne and into the wolf pit!!
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.