Compare Commerce Bank Credit Cards
Please find below credit cards offered by Commerce Bank.

Not Offered
Not Offered
20.49% (V)
annual fee
$0
rewards rate
1 - 5 points / $1
Bonus Offer
15,000 points
Bonus Offer
15,000 points
Good Credit
Pros
- No membership fees
- High rewards rate
- 15,000 points initial rewards bonus
Cons
- No intro APR on purchases
- No intro APR on balance transfers
- Foreign fee
- Requires good/excellent credit
Rewards Details
- Get 15,000 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 everywhere else VISA® is accepted.
- Redeem points for free rooms, airline miles, gift certificates, vacations and more.
Additional Info
- Exclusive Drury Gold Key Club Credit Cardholder VIP Benefits:
- Best room available within the category booked;
- Early check-in and late check-out privileges (when available);
- Complimentary room upgrade promotions;
- Exclusive offers and bonus points.
- More Details & Reviews About Drury Gold Key Club Credit Card

Secured Card
Min Deposit of $400
One-Time Fees
$0
22.49% (V)
annual fee
$49
monthly fee
$0
Bad Credit
Pros
- Qualify with bad credit
Cons
- Membership fees
- High regular APR
- Foreign fee
- Requires security deposit
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 $5000.
- More Details & Reviews About Commerce Bank Secured Credit Card

1.99% for 6 months
1.99% for 6 months|Transfer Fee: 5% (min $10)
14.49% - 24.49% (V)
annual fee
$0
rewards rate
1 - 4 points / $1
Good Credit
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
- Foreign fee
Rewards Details
- Earn 4 points per $1 spent on select AOPA purchases and 3 points per $1 spent on purchases made at select AOPA partners.
- Earn 2 points per $1 spent on purchases made at FBOs (fixed based operators), aviation and 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.
- More Details & Reviews About AOPA Credit Card

1.99% for 6 months
1.99% for 6 months|Transfer Fee: 5% (min $10)
19.49% - 29.49% (V)
annual fee
$0
rewards rate
1 - 3 points / $1
Good Credit
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
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.
Additional Info
- View your FICO® Score for free on your monthly credit card statement
- Access to toggle® – a free and flexible payment feature that lets you manage your spending like a debit card, with the rewards of a credit card.
- Online E-Statements, Optional Auto Pay and Apple Pay™
- More Details & Reviews About National Association of Social Workers (NASW) Credit Card

0% for 6 months
0% for 6 months|Transfer Fee: 5% (min $10)
19.49% - 29.49% (V)
annual fee
$0
rewards rate
1 - 3 points / $1
Good Credit
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
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.
- More Details & Reviews About Kansas City Zoo Credit Card

1.99% for 6 months
1.99% for 6 months|Transfer Fee: 5% (min $10)
19.49% - 29.49% (V)
annual fee
$0
rewards rate
1 - 3 points / $1
Good Credit
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
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.
Additional Info
- View your FICO® Score for free on your monthly credit card statement.
- More Details & Reviews About Florida Nurses Association (FNA) Credit Card

0% for 12 months
Not Offered
16.49% - 29.49% (V)
annual fee
$0
rewards rate
1 - 2.5 miles / $1
Good Credit
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
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 Coverage.
- Zero-Liability Protection.
- More Details & Reviews About Commerce Bank Miles℠ Credit Card
Commerce Bank Credit Card Reviews
What's Your Rating?
I have sent several messages about this and other issues to Commerce customer service — I'd rather do that than talk to an account representative in India whose English is so poor I can only understand every fifth word. But they never get back to me with any answers, solutions or even a courteous "we received your message" response.
I'll be closing my account today. Useless card, and useless customer service bunch.
I thought I had 90 days from the opening date on the account instead. I did not reach the 90 day required period because my 90 days was up on Aug. 6th. On August 6th, the balance on this commerce bank credit card was a little over $944. Instead I reached the minimum $1,000 in purchases on Aug. 8th, making it 92 days after opening the account.
I couldn't use this credit card until I had it in my possession and then called to request to open it. I don't think it is right for a bank not to count the 90 days from the opening date on the account instead, because someone can't begin using a credit card until they receive it in the mail and then open call to request it to be opened.
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 Upvotes
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!
How do I apply for the University of Florida Credit Card?
You can apply for the University of Florida Credit Card either online or over the phone at (800) 645-2103. Please note that you don't have to be a student in order to apply for this card.
You can receive a decision on your application immediately after applying, although in some cases it might take 7-10 business days. After approval, you should receive your credit card in 7-10 business days.
What's the starting credit limit for the Commerce Bank Special Connections card?
The starting credit limit for the Commerce Bank Special Connections® Credit Card is $500 or more; everyone who gets approved for this card is guaranteed this limit. However, depending on your credit standing, you could get a much higher credit limit. The higher your credit score and income are, the higher your starting credit limit is likely to be.
Keep in mind that you can ask to get a credit limit increase by calling customer service at (800) 645-2103, but it's best not to ask more than once a year. Commerce Bank might also evaluate your account periodically to determine whether you are eligible for a credit limit increase. Paying on time and keeping your credit utilization low are key for getting unsolicited credit line increases.
What kind of travel insurance do Commerce Bank credit cards offer?
Unfortunately, Commerce Bank does not offer travel insurance on any of its credit cards. Though Commerce Bank credit cards can be good for people who want to earn rewards on their purchases, there are much better options if you're looking for a credit card with good travel insurance benefits.
If you're not sure which travel credit card to get, you can always check out WalletHub's recommendations for the best credit cards for travel insurance or travel rewards. Before picking a card, also be sure to check your credit score for free on WalletHub so that you know which cards you'll be able to qualify for.
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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