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

Not Offered
Not Offered
16.49% (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
- Reports to the three major credit bureaus
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
18.99% (V)
annual fee
$49
monthly fee
$0
Bad Credit
Pros
- Qualify with bad credit
Cons
- Membership fees
- No rewards
- No rewards bonus
- High Regular APR
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

0% for 6 months
0% for 6 months|Transfer Fee: 5% (min $10)
15.99% - 25.99% (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 rewards bonus
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
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 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™
- Access to special offers from the Friends of the Zoo.
- More Details & Reviews About Kansas City Zoo Credit Card

0% for 12 months
Not Offered
12.99% - 25.99% (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 categories
Cons
- No 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

0% for 12 months
0% for 12 months|Transfer Fee: 5% (min $10)
12.99% - 25.99% (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 rewards bonus
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
Rewards Details
- Earn 3% Cash Back (3 Points) on Streaming, Cable & Ride-Sharing services; 2% Cash Back (2 Points) on Gas, Fast Food and Restaurants
- Earn 1% Cash Back (1 Point) for every dollar in Net Purchases.
- No cap on point earning.
- Redeem for 1% Cash Back or choose from gift cards, travel, merchandise and more.
Additional Info
- You are covered with Zero Liability protection so you don’t pay for the unauthorized use.
- 24/7 Customer Service and Online Account Access.
- Have peace of mind with complimentary, built-in Cell Phone Protection - up to $200 per claim.
- More Details & Reviews About Commerce Bank Special Connections® Credit Card

Not Offered
Not Offered
12.99% - 25.99% (V)
annual fee
$0
rewards rate
1.5 points / $1
Bonus Offer
$200
Bonus Offer
$200
Excellent Credit
Pros
- No membership fees
- $200 initial rewards bonus
- Reports to the three major credit bureaus
Cons
- No intro APR on purchases
- No intro APR on balance transfers
- Foreign fee
- Requires excellent credit
Rewards Details
- Get a $200 cash back bonus when you spend $2,000 on purchases within your first 3 months after account opening.
- Unlimited 1.5 points on every purchase, every day. No cap on point earning.
- Redeem for Cash Back, gift cards, travel, merchandise and more. A Cash Back redemption is applied as a statement credit.
- Savings from top retailers and access to popular events.
Additional Info
- If you do not meet the criteria for the Commerce Bank Special Connections® Premium, you may be considered for a Commerce Bank Special Connections® card, which has different benefits and credit availability.
- Premium travel offers and discounts.
- Complimentary concierge service.
- No Pre-Set Spending Limit.
- Zero Liability Coverage.
- More Details & Reviews About Commerce Bank Special Connections® Premium

1.99% for 6 months
1.99% for 6 months|Transfer Fee: 5% (min $10)
16.74% - 26.74% (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 rewards bonus
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
Rewards Details
- Earn 3% Cash Back (3 Points) on Ride-Sharing services, Streaming & Cable; 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
- View your FICO Score every month.
- Receive suspicious card activity alerts.
- Temporarily lock your card until you find it.
- More Details & Reviews About Michigan Technological University Credit Card
Commerce Bank Credit Card Reviews
What's Your Rating?
Now I'm trying to figure how to get them to tell the real true amount.
They did me dirty not once, but now, twice. Even with months of checking a company our, calling and asking questions, one still doesn't know the traps that lie ahead.
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.
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.
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How do I redeem my Commerce Bank rewards?
You can redeem your Commerce Bank rewards either online or by calling the 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.
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 at (800) 350-7193.
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. - Merchandise:
Spend points in “Commerce Bank Rewards” to buy products ranging from electronics to games and clothes.
Keep in mind that 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.
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!
What credit score do you need for the AOPA Credit Card?
You need a credit score of 700 or better for the AOPA Credit Card. That means people with good credit or better have a shot at getting approved for the AOPA Credit Card.
Things to Know About the AOPA Credit Card Credit Score Requirements
While your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the card. Some other key criteria include your income, existing debt load and employment status.
Since all these criteria are taken into consideration, you might be able to get approved with a slightly lower credit score. But it's best to wait to apply until you meet the AOPA Credit Card credit score requirement. You can check your credit score for free on WalletHub.
What's the phone number for the Commerce Bank credit card customer service department?
The phone number for the Commerce Bank credit card customer service department is (855) 659-1656. Just follow the prompts and you will get in contact with a live representative who should be able to answer your questions or direct you to the appropriate department.
Other ways to reach the Commerce Bank credit card customer service:
If you can't or don't want to talk to the Commerce Bank credit card customer service over the phone, there are a few alternatives. You can log in to online banking and chat with a representative, or send them an email.
You can also check Commerce Bank's FAQ page to see if there's already a solution to your credit card issue.
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