Commerce Bank Credit Cards

3,371 Reviews

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Please find below credit cards offered by Commerce Bank.

Compare Commerce Bank Credit Cards

Commerce Bank Secured Credit Card

4.5 out of 5 rating14 Reviews

2.6WalletHub Rating

WalletHub Rating

2.6

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Rebuild Damaged Credit." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

User Reviews

4.5

Market Comparison

2.5

fees: 3.0

rewards: 0.0

cost: 1.9

APR: 2.5

Other Features: 3.7

Secured Credit CardMin Deposit of $400

One-Time Fees$0

Regular APR22.24% (V)

Secured Card

Min Deposit of $400

One-Time Fees

Regular APR

22.24% (V)

annual fee

$49

monthly fee

minimum credit

Bad

WalletHub's Take

Pros

No foreign fee
Qualify with bad credit

Cons

Membership fees
High regular APR
Requires security deposit

Read our editor's full Commerce Bank Secured Credit Card review.

Additional Info

Establish or rebuild your credit history, and earn interest on your collateral deposit.
Credit reporting to all three bureaus.
Before you can be approved for a Secured Credit Card, you will be required to make a security deposit by opening a Secured Credit Card Savings Account and executing a Security Agreement and Assignment.
You will be assigned a credit limit equal to the balance in the savings account, with a minimum of $400 and maximum of $5,000.
Cell Phone Protection.

Pros, Cons, & Details

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AOPA Credit Card

1.03 out of 5 rating74 Reviews

2.1WalletHub Rating

WalletHub Rating

2.1

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

User Reviews

1.0

Market Comparison

2.2

fees: 4.3

rewards: 3.3

cost: 1.4

APR: 2.6

Purchase Intro APR1.99% for 6 months

Transfer Intro APR1.99% for 6 months|Transfer Fee: 5% (min $10)

Regular APR18.49% - 28.49% (V)

Purchase Intro APR

1.99% for 6 months

Transfer Intro APR

1.99% for 6 months|Transfer Fee: 5% (min $10)

Regular APR

18.49% - 28.49% (V)

annual fee

rewards rate

1 - 4 points / $1

minimum credit

Good

WalletHub's Take

Pros

No membership fees
1.99% intro APR on purchases
1.99% intro APR on balance transfers
High rewards rate

Cons

Spending caps on rewards
No initial rewards bonus
Balance transfer fee
High regular APR

Read our editor's full AOPA Credit Card review.

Rewards Details

Earn 4 points per $1 spent on select AOPA purchases and 3 points per $1 spent at select AOPA partner locations, as well as on streaming & cable services.
Earn 2 points per $1 spent on purchases made at FBO's (fixed based operators), aviation & auto fuel, and flight schools.
Earn 1 point for every $1 of other Net Merchandise Purchases.
A maximum of 2,500 bonus points will be awarded per calendar quarter, per rewards account.

Additional Info

World Mastercard® Luxury Travel Benefits - such as Mastercard Travel Services, Exclusive Golf Privileges, Mastercard Concierge Service and more.
Mastercard® Identity Theft Protection™ and Zero Liability Coverage.

Pros, Cons, & Details

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National Association of Social Workers (NASW) Credit Card

0 out of 5 rating

national association of social workers credit card

0 out of 5 rating

2.2WalletHub Rating

WalletHub Rating

2.2

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Market Comparison

2.2

fees: 4.2

rewards: 1.8

cost: 2.0

Other Features: 0.0

Purchase Intro APR1.99% for 6 months

Transfer Intro APR1.99% for 6 months|Transfer Fee: 5% (min $10)

Regular APR19.24% - 29.24% (V)

Purchase Intro APR

1.99% for 6 months

Transfer Intro APR

1.99% for 6 months|Transfer Fee: 5% (min $10)

Regular APR

19.24% - 29.24% (V)

annual fee

rewards rate

1 - 3 points / $1

minimum credit

Good

WalletHub's Take

Pros

No membership fees
1.99% intro APR on purchases
1.99% intro APR on balance transfers
High rewards rate

Cons

No initial rewards bonus
Balance transfer fee
High regular APR
Foreign fee

Read our editor's full National Association of Social Workers (NASW) Credit Card review.

Rewards Details

Earn 3% cash back (3 points) on ride-sharing, streaming & cable services, 2% cash back (2 points) on gas and restaurants.
Earn 1% cash back (1 point) for every dollar in net purchases.
There is no limit to the amount of cash back you can earn.
Redeem for 1% cash back or choose from gift cards, travel, merchandise and more.
NASW members save an additional 20% when you use your Card to pay for continuing education in the Social Work Online CE Institute.

Pros, Cons, & Details

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Drury Rewards Credit Card

4 out of 5 rating2 Reviews

4 out of 5 rating2 Reviews

3.1WalletHub Rating

WalletHub Rating

3.1

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Hotel Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Market Comparison

3.1

fees: 4.2

rewards: 3.1

cost: 3.0

Other Features: 0.0

Purchase Intro APRNot Offered

Transfer Intro APRNot Offered

Regular APR19.24% - 29.24% (V)

Purchase Intro APR

Not Offered

Transfer Intro APR

Not Offered

Regular APR

19.24% - 29.24% (V)

annual fee

rewards rate

1 - 5 points / $1

Bonus Offer

25,000 points

Bonus Offer

25,000 points

minimum credit

Good

WalletHub's Take

Pros

No membership fees
High rewards rate
25,000 points initial rewards bonus

Cons

No intro APR on purchases
No intro APR on balance transfers
Foreign fee
Requires good/excellent credit

Read our editor's full Drury Rewards Credit Card review.

Rewards Details

Get 25,000 bonus points after you spend $500 within 90 days of account opening. These points entitle you to a Free Night Stay at a participating Drury Hotel.
Earn 5 points per $1 spent at Drury Hotel Properties when using this card.
Earn 2 points per $1 spent on Gas, Restaurants and Utilities.
Earn 1 point per $1 spent on all other purchases.
Redeem points for free rooms, airline miles, gift certificates, vacations and more.

Additional Info

Zero Liability Coverage.

Pros, Cons, & Details

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Kansas City Zoo Credit Card

4.31 out of 5 rating48 Reviews

2.4WalletHub Rating

WalletHub Rating

2.4

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

User Reviews

4.3

Market Comparison

2.3

fees: 4.3

rewards: 3.3

cost: 1.5

APR: 2.6

Purchase Intro APR0% for 6 months

Transfer Intro APR0% for 6 months|Transfer Fee: 5% (min $10)

Regular APR19.24% - 29.24% (V)

Purchase Intro APR

0% for 6 months

Transfer Intro APR

0% for 6 months|Transfer Fee: 5% (min $10)

Regular APR

19.24% - 29.24% (V)

annual fee

rewards rate

1 - 3 points / $1

minimum credit

Good

WalletHub's Take

Pros

No membership fees
0% intro APR on purchases
0% intro APR on balance transfers
High rewards rate

Cons

No initial rewards bonus
Balance transfer fee
High regular APR
Foreign fee

Read our editor's full Kansas City Zoo Credit Card review.

Rewards Details

Earn 3% cash back (3 points) on ride-sharing, streaming & cable services, 2% cash back (2 points) on gas and restaurants.
Earn 1% cash back (1 point) for every dollar in net purchases.
There is no limit to the amount of cash back you can earn.
Redeem for 1% cash back or choose from gift cards, travel, merchandise and more.

Additional Info

Commerce Bank will give the Friends of the Zoo $35 for each new active Kansas City Zoo Visa® account to help feed and care for its 1,000 animals
View your FICO® Score for free on your monthly credit card statement.
Access to special offers from the Friends of the Zoo.

Pros, Cons, & Details

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Florida Nurses Association (FNA) Credit Card

1.1 out of 5 rating41 Reviews

1.1 out of 5 rating41 Reviews

2.1WalletHub Rating

WalletHub Rating

2.1

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

User Reviews

1.1

Market Comparison

2.2

fees: 4.2

rewards: 1.8

cost: 2.0

Other Features: 0.0

Purchase Intro APR1.99% for 6 months

Transfer Intro APR1.99% for 6 months|Transfer Fee: 5% (min $10)

Regular APR19.24% - 29.24% (V)

Purchase Intro APR

1.99% for 6 months

Transfer Intro APR

1.99% for 6 months|Transfer Fee: 5% (min $10)

Regular APR

19.24% - 29.24% (V)

annual fee

rewards rate

1 - 3 points / $1

minimum credit

Good

WalletHub's Take

Pros

No membership fees
1.99% intro APR on purchases
1.99% intro APR on balance transfers
High rewards rate

Cons

No initial rewards bonus
Balance transfer fee
High regular APR
Foreign fee

Read our editor's full Florida Nurses Association (FNA) Credit Card review.

Rewards Details

Earn 3% cash back (3 points) on ride-sharing, streaming & cable services, 2% cash back (2 points) on gas, fast food and restaurants purchases.
Earn 1% cash back (1 point) for every dollar in net purchases.
There is no limit to the amount of cash back you can earn.
Redeem for 1% cash back or choose from gift cards, travel, merchandise and more.

Pros, Cons, & Details

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Commerce Bank Miles® Credit Card

3.93 out of 5 rating89 Reviews

3.4WalletHub Rating

WalletHub Rating

3.4

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

User Reviews

3.9

Market Comparison

3.3

fees: 5.0

rewards: 3.3

cost: 2.9

APR: 3.4

Purchase Intro APR0% for 12 months

Transfer Intro APRNot Offered

Regular APR19.24% - 29.24% (V)

Purchase Intro APR

0% for 12 months

Transfer Intro APR

Not Offered

Regular APR

19.24% - 29.24% (V)

annual fee

rewards rate

1 - 2.5 miles / $1

minimum credit

Good

WalletHub's Take

Pros

No membership fees
0% intro APR on purchases
High rewards rate
Bonus rewards categories

Cons

No initial rewards bonus
No intro APR on balance transfers
Balance transfer fee
Requires good/excellent credit

Read our editor's full Commerce Bank Miles® Credit Card review.

Rewards Details

Earn 2.5 miles per $1 spent on all travel purchases (including ridesharing), and 1 mile per $1 spent on all other purchases
Redeem with any airline, hotel, cruise line or car rental – no booking restrictions.

Additional Info

Cell Phone Protection, Travel and Emergency Assistance Services, Roadside Dispatch® and ID Navigator powered by NortonLifeLock™.
Zero-Liability Protection.

Pros, Cons, & Details

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Commerce Bank Credit Card Reviews

3.7

What's Your Rating?

Hickam324
June 21, 2025 • @Hickam324

Tried for two days to get in touch with someone about fraud and couldn't get anyone to pick up the phone. I was put on hold, and then someone would pick up and hang up. This happened three times; that's unacceptable, especially when pertaining to fraud.

Product: Commerce Bank Credit Cards

Comment

Karri Sanderson
June 12, 2025 • @sandersonk

Verified Customer

I was a credit card holder for over 23 years. They closed my account in May without notice, which they are legally allowed to do. I was late on a payment in September because auto-pay had expired, but I made a payment as soon as I discovered my oversight. I paid it off completely in November. Nearly six months later, they closed the account, six months after the notice in September. Customer Service was anything but helpful, and they refused to reopen my account because I had not made a payment within 15 days after the late payment notice in September. My debt with them was not massive; at most, it was $3,000. The service provided was terrible to an account holder who had held a bank account and credit card account with that bank for almost the entirety of their adult life. Additionally, I called on May 29 and spent 40 minutes on the phone with customer service, to be told I would hear back in three business days. Today is June 12, and after speaking with three additional customer service staff—almost two weeks later—I have an answer. Points, rewards, and debt transfer services are better with other cards. Do not waste your time and finances with this bank. The "award-winning customer service built on trust" is not upheld when they are not profiting from your debt.

Product: Commerce Bank Credit Cards

Comment

Frank Rios
April 4, 2025 • @mrfrankpr

Verified Customer

Shady credit card offer practices. Be careful when using their credit card offers. For example, they have an offer when paying at Walmart to redeem 2,000 points and get $10 off your receipt. However, they make it look like you're getting the money from the redeemed points plus an additional $10 off, which is not true. You're only getting the $10 off and spending 2,000 points, which are worth $20, so you're essentially losing $10. This is not an offer but a scam.

Product: Commerce Bank Special Connections® Credit Card

Comment

Willie T
November 7, 2024 • @fadeprufe

Verified Customer

They reported my unsecured card as a secured card to the credit agencies. When I called customer service, they could not reach their credit card department. They claimed they were backed up and had to be emailed. Still, nothing from them after two weeks. Tomorrow I am filing a complaint with the Department of Commerce.

Product: Commerce Bank Credit Cards

Comment

Curtiss Dean
November 2, 2024 • @cuirtissdean

Verified Customer

One of the best cards I've ever had, and I've tried more than a few. The ease and convenience of using this card are truly amazing. I love my interest rates, as well as the relatively easy way it is to talk to someone for help. Maybe others don't care to talk to you, but they aren't Commerce Bank, are they?

Product: Commerce Bank Credit Cards

Comment

Rodney Clarkson
September 5, 2024 • @rodclarkson

Verified Customer

Where to start? This bank has the worst customer service and the most poorly trained customer service representatives of any bank I have ever worked with. I had placed an order from a merchant that was never delivered to me. I filed a dispute with Commerce Bank and had to call several times to handle the matter. Their reply to my inquiry was that they have been busy, and the last person did not document my file, etc. I finally got tired of dealing with incompetence and closed the account. Seriously, their customer service agents can barely communicate. Moreover, when I asked the person I spoke with regarding the dispute for his name or ID number, his reply was that he is not required to provide that information. Wait, you just asked for my name, my mother's maiden name, home address, and the last four digits of my SSN, and you cannot even provide a name? I closed the account and am sticking with American Express, where the service is first-class. Finally, their online portal is a mess. Stay away from this bank at all costs.

Product: Commerce Bank Credit Cards

Comment

Ken Krumm
June 3, 2024 • @kkrumm52

On December 26, 2023, I had five fraudulent charges on my Commerce Visa Card. The first two charges were for items on a mirrored national retailer's site. After ordering, the perpetrator charged my card three additional times for the same item. I called Commerce Bank and shut down the card. When the items were posted on my card billing online, I called Commerce and told them to stop payment on the charges. The billing address was a Samsung Wallet account. No national retailer uses a Samsung Wallet account. They refused, even on the three additional charges that I didn't make for the same item. So, I opened a dispute case on all five charges. A month later, I received a letter stating they ruled against me on the dispute because they did not pay a sixth fraudulent attempt that they blocked, and I knew nothing about. So, they opened a second dispute case. The second dispute ruled in my favor, but the case was only for the three additional fraudulent charges. They failed to include the two original charges. That case was opened on March 17. That was 78 days ago, and I've heard nothing from Commerce Bank. The dispute department stated it takes 60-90 days for resolution. I've been waiting over five months. I've called their customer service over a dozen times, waiting about an hour each time to talk to a representative. Each representative was rude and of no help. I've even complained to my local branch manager in April, who did a great job checking into why it's taking so long for a resolution. His involvement most likely resulted in slow-walking this dispute. Once this third case is resolved, the card will be shredded. There's no way to check on the status online. This experience was worse than the actual fraud.

Product: Commerce Bank Credit Cards

Comment

Richard T Chqnce
May 24, 2024 • @chancefire

I had two credit cards with Commerce Bank. They sent my bill on the due date, and I paid it in full each month. They said a late charge applies. I sent one check with a notation for the two cards, including the last four numbers of each credit card. The amount sent was the total for both cards. They paid one card and did not give me a credit for the other. I have paid in this manner for over a year without issue. I closed one card to avoid this problem in the future and, if they don't handle my account better, I will close the other card and contact them. I spoke with two employees, both of whom seemed a bit arrogant and rude considering I am the customer. They said they waived the late charge. They also told me it would be weeks before I will get credit on the account that I paid in full with one check for two accounts on 5/18/24. They will not accept responsibility for their mistakes. I hope a manager reads this and takes action. I will not tolerate anyone being rude. I am fortunate enough to have a credit score that allows me to be approved for any credit card and will not let incompetence handling my accounts mess up my score.

Product: Commerce Bank Credit Cards

Comment

Lawrence Kochanowicz
February 16, 2024 • @spittinlead

The bank makes a special offer and then, 2 payments later, reneges and will not correct their mistake. I have never had an issue like this in 40 years of dealing with banks. Run as if your life depends on it.

Product: Commerce Bank Credit Cards

Comment

MITCH
January 31, 2024 • @autoemporium

Verified Customer

Commerce Bank is a superb bank, well-run, and very professional. They have an eagerness to please. They want to give individual credit; they want to help. I love this bank and respect this bank. They also have a great user-friendly website and a classy, beautiful Visa card. ??

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. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.

Upvotes

What are the Commerce Bank credit score requirements?

Chip Lupo, Credit Card Writer

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 card until you meet the credit score requirement. You can check your credit score for free on WalletHub.

Commerce Bank Credit Score Requirements by 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 an important factor, there are plenty of other things that will impact your chances of being approved for a Commerce Bank credit card, too. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment status.

Upvotes

How do I check my University of South Alabama Credit Card application status?

Cameron Dorr

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!

Upvotes

How do I apply for Commerce Bank Business Platinum Card?

John Miller, Credit Cards Moderator

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...

Upvotes

What bank issues the Murray State University Credit Card?

John Miller, Credit Cards Moderator

The Murray State University Credit Card is issued by Commerce Bank, an FDIC insured bank headquartered in Kansas City, Missouri. You can reach them at (855) 659-1656.

The Murray State University Credit Card is a pretty good bonus rewards credit card for Murray State University alumni, faculty, supporters and students. Although this card is affiliated with a school, it is not a student credit card, and applicants need at least a good credit to get approved.

Upvotes

How do I apply for University of Florida Credit Card?

Adam McCann, Financial Writer

The easiest way to apply for the University of Florida Credit Card is online, and you can get to the online application by going directly to Commerce Bank's website. Alternatively, you can apply by phone.

Keep in mind that the University of Florida Credit Card requires good credit, which means you need a 700+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily hurt your credit score. So, it's good to know...

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* The information about the following cards has been independently collected by WalletHub: Commerce Bank Secured Credit Card, AOPA Credit Card, National Association of Social Workers (NASW) Credit Card, Drury Rewards Credit Card, Kansas City Zoo Credit Card, Florida Nurses Association (FNA) Credit Card, Commerce Bank Miles® Credit Card, Commerce Bank Business Platinum Credit Card, Murray State University Credit Card, and University of Florida Credit Card.