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

Secured Card
Min Deposit of $400
One-Time Fees
$0
21.74% (V)
annual fee
$49
monthly fee
$0
Bad
Pros
- No foreign fee
- Qualify with bad credit
Cons
- Membership fees
- High regular APR
- 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 $5,000.
- Cell Phone Protection.

1.99% for 6 months
1.99% for 6 months|Transfer Fee: 5% (min $10)
17.74% - 27.74% (V)
annual fee
$0
rewards rate
1 - 4 points / $1
Good
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
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.

1.99% for 6 months
1.99% for 6 months|Transfer Fee: 5% (min $10)
18.74% - 28.74% (V)
annual fee
$0
rewards rate
1 - 3 points / $1
Good
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.

0% for 12 months
0% for 12 months|Transfer Fee: 5% (min $10)
18.74% - 28.74% (V)
annual fee
$0
rewards rate
1 - 5 points / $1
Bonus Offer
25,000 points
Bonus Offer
25,000 points
Good
Pros
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
Cons
- Balance transfer fee
- High regular APR
- Foreign fee
- Requires good/excellent credit
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.

0% for 6 months
0% for 6 months|Transfer Fee: 5% (min $10)
18.74% - 28.74% (V)
annual fee
$0
rewards rate
1 - 3 points / $1
Good
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.

1.99% for 6 months
1.99% for 6 months|Transfer Fee: 5% (min $10)
18.74% - 28.74% (V)
annual fee
$0
rewards rate
1 - 3 points / $1
Good
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.

0% for 12 months
Not Offered
18.74% - 28.74% (V)
annual fee
$0
rewards rate
1 - 2.5 miles / $1
Good
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 Protection, Travel and Emergency Assistance Services, Roadside Dispatch® and ID Navigator powered by NortonLifeLock™.
- Zero-Liability Protection.
Commerce Bank Credit Card Reviews
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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.
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How can I talk to Commerce Bank customer service?
To talk to Commerce Bank customer service, call 855-659-1656 and then follow the prompts. This process will get you in contact with a live Commerce Bank representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to Commerce Bank Customer Service by Phone
- Call the Commerce Bank customer service department at 855-659-1656.
- Follow the prompts.
- Speak to the live representative.
If you can't or don't want to talk to Commerce Bank customer service over the phone, you can also contact them online or at a local branch.
Depending on the type of financial product you are calling about, there may also be a more specific number for you to call than the general Commerce Bank customer service phone number. Below, you can find more details about the best number to call for various products.
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Type of Product |
Commerce Bank Phone Number |
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Personal Accounts |
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Personal Loans and Home Equity Lines of Credit |
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Debit Card |
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Credit Card |
While calling these individual numbers could speed up the process, you should ultimately be able to get help with inquiries about any product through the main Commerce Bank customer service number.
What are the Commerce Bank credit score requirements?
Commerce Bank's credit score requirement is 700 or higher for most cards. One exception is the Commerce Bank Secured Credit Card because it is available to people with bad credit, which generally includes credit scores starting at 300.
Keep in mind that it's best to wait to apply for a given card until you meet the credit score requirement. You can check your credit score for free on WalletHub.
Credit Score Recommended by Commerce Bank Card
- Commerce Bank Secured Credit Card: 300 (Bad...
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 Commerce Bank Business Platinum Card?
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. Applying online is the fastest method and often leads to an instant response. Keep in mind that the Commerce Bank Business Platinum Credit Card is available to people with excellent credit, which means you need a 750+ credit score for high approval odds. You can check your credit score for free here on WalletHub.
How to Apply for...
What bank issues the Murray State University Credit Card?
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.
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