Meh, kinda regret getting this card. At 1st I was pretty happy with it. Was offered it by Beta Sigma Gamma (bus school honor society) when I was just building my credit so score was around 690-710.
They did give me 0% interest for a bit (not as long as my Cap 1). Offered 0% on balance transfers too, which is what I really needed. Plus APR they offered was about 6.5% less than what Cap 1 initially offered & credit limit was $1000 higher too.
Sounds good so far huh? So why bad rating? Well 1st off they DON'T report authorized users to credit union, only co-signers.
Also in the over 2 yrs I've had it, nothing has changed. My Cap 1 automatically gave $500 CLI at 6 months. Then approved me for 3 more small ones when I asked over next 1.5yr. With SOFT checks. Also dropped APR 4% without me asking.
My credit score has improved greatly (stays 780-805). I use Commerce card a lot (200-800 a month) & always pay on time & usually pay off or close to it. But when I asked were they ever going to raise CL they said I would just need to apply for new card. Or do HARD check & MAYBE get a $200-500 increase 1 time but that's it. And forget APR ever going down. And if I DID apply 4 new card (ofc w/ hard check) they wouldn't be willing to transfer CL &/or keep original sign up date like some will. And APR of new card would likely be same or even higher!
And don't get me started on rewards. You get 2500 points & can choose to exchange them for $25 cash back, INSANELY overpriced merch (most everything 60k+ pts) or the best thing to do: get gift cards when they're on sale. At best you can get a $25 card for 2100-2400 pts. Most 21-2300 are lame tho. Red Lobster, Bath & Bodyworks, & Applebee's often go for 2400 though.
TLDR: They don't report authorized users. You're stuck with APR & credit limit you get when you sign up. Unless you want 2 take Hard hit for a chance at a 1 time small increase. If anything they're more likely to lower it. And rewards program is weak.
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Product: Commerce Bank Credit Cards
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Mitchell @csr21021
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Verified Customer
I think it's an okay card, Commerce is a very conservative lender and does not offer CLI that are soft pulls. The rewards program is less than stellar and compared to my AMEX and BMO Cards way more difficult to accumulate actually cash rewards. Strongly suggest if you qualify for a Commerce card you instead use a different bank that has better rewards program and offers higher CLIs after a few months etc.
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Product: Commerce Bank Credit Cards
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Peggy @peggyc5
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Verified Customer
Nice card to have. Offers 0% 12 month financing. Easy to pay online too. Sends monthly statements instead of sending in email. I like paper statements.
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Product: Commerce Bank Credit Cards
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Mike Dixon @mikekd56
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Terrible customer service from Hilary and Michael. I made an over payment on a Commerce Card and just want to move it back into my checking Acct. Was on hold for 45 minutes and then needed to confirm with my wife and wouldn’t let me conference her in. Sad.
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Product: Commerce Bank Credit Cards
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Brenna @bjeanbeeson
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Verified Customer
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.
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Product: Commerce Bank Credit Cards
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Dean @burkalini
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Verified Customer
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
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Product: Commerce Bank Credit Cards
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Amin Chan @ChandBaba
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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!
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Product: Commerce Bank Credit Cards
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Tom Psine @LionelPressSky
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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.
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Product: Commerce Bank Credit Cards
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Nikhil @nikhilc
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Verified Customer
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.
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Product: Commerce Bank Credit Cards
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aljoey123 @aljoey123
In general. This is the banks money and it’s not your card. You can’t just put the card in a safe for a rainy day. You can’t just use it for gum once a month without a credit line drop.
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jefferyzielinski70 @jefferyzielinski70
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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!
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Product: Commerce Bank Credit Cards
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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.
You can redeem your Commerce Bank rewards 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.
Here's how to redeem your Commerce Bank rewards:
Cash Back: Minimum of 2,500 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 Shell or 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. You just have to visit the Commerce Bank Rewards page and select “Point of Sale” from the “Redeem” menu for Fuel Discount locations.
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.
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!
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.
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