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Commerce Bank Credit Card Reviews
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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.






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.
How do I redeem my Commerce Bank rewards?

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?

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?

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!
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