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5 Star Rating
Verified Customerthey gave me $250 just to sign up and 15 months 0 interest, they never bother me so far an started me with a 10 k limit, so far they are just a great company
Product: Commerce Bank Credit Cards
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Compare Commerce Bank Credit Cards
Please find below credit cards offered by Commerce Bank.
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Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR18.49% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
18.49% (V)
annual fee
$0
rewards rate
1 - 5 points / $1
Bonus Offer
15,000 points
Bonus Offer
15,000 points
minimum credit
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 Credit CardMin Deposit of $400
One-Time Fees$0
Regular APR20.49% (V)
Secured Card
Min Deposit of $400
One-Time Fees
$0
Regular APR
20.49% (V)
annual fee
$49
monthly fee
$0
minimum credit
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
Purchase Intro APR1.99% for 6 months
Transfer Intro APR1.99% for 6 months|Transfer Fee: 5% (min $10)
Regular APR13.24% - 23.24% (V)
Purchase Intro APR
1.99% for 6 months
Transfer Intro APR
1.99% for 6 months|Transfer Fee: 5% (min $10)
Regular APR
13.24% - 23.24% (V)
annual fee
$0
rewards rate
1 - 4 points / $1
minimum credit
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
Purchase Intro APR0% for 6 months
Transfer Intro APR0% for 6 months|Transfer Fee: 5% (min $10)
Regular APR17.49% - 27.49% (V)
Purchase Intro APR
0% for 6 months
Transfer Intro APR
0% for 6 months|Transfer Fee: 5% (min $10)
Regular APR
17.49% - 27.49% (V)
annual fee
$0
rewards rate
1 - 3 points / $1
minimum credit
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 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
Purchase Intro APR0% for 12 months
Transfer Intro APRNot Offered
Regular APR14.49% - 27.49% (V)
Purchase Intro APR
0% for 12 months
Transfer Intro APR
Not Offered
Regular APR
14.49% - 27.49% (V)
annual fee
$0
rewards rate
1 - 2.5 miles / $1
minimum credit
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
Purchase Intro APR0% for 12 months
Transfer Intro APR0% for 12 months|Transfer Fee: 5% (min $10)
Regular APR17.49% - 27.49% (V)
Purchase Intro APR
0% for 12 months
Transfer Intro APR
0% for 12 months|Transfer Fee: 5% (min $10)
Regular APR
17.49% - 27.49% (V)
annual fee
$0
rewards rate
1 - 3 points / $1
minimum credit
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 Streaming, Cable and Ride-Sharing services, 2% Cash Back (2 Points) on Gas, Restaurants and on Fast Food.
- 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, Royals merchandise and more.
Additional Info
- The Kansas City Royals and Commerce Bank have teamed up to provide cardholders with great ticket discounts.
- As a Royals Mastercard cardholder, you will have exclusive access to game day experiences, special Royals offers and events. Some of these experiences have limited availability.
- Zero Liability Coverage.
- More Details & Reviews About Royals™ Credit Card
Purchase Intro APR0% for 12 months
Transfer Intro APR0% for 12 months|Transfer Fee: 5% (min $10)
Regular APR14.49% - 27.49% (V)
Purchase Intro APR
0% for 12 months
Transfer Intro APR
0% for 12 months|Transfer Fee: 5% (min $10)
Regular APR
14.49% - 27.49% (V)
annual fee
$0
rewards rate
1 - 3 points / $1
minimum credit
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
- 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
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Commerce Bank Credit Card Reviews
3.8
3,481 reviews
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5 Star Rating
Verified CustomerGreat card for your every day shopper. Terrific for gas , groceries, clothes, and even an occasional meal. Very good fraud protection. No annual fees, Very Highly recommended
Product: Commerce Bank Credit Cards
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2 Star Rating
Verified CustomerI received an offer letter in the mail from Commerce Bank, saying on it that I could receive a $250 bonus award after spending $1,000 within 90 days on a newly approved Special Connections Commerce Bank Visa card. All I had to do was call 1-800-571-6898 and say I wanted the card. The credit card was opened on Aug. 7th. I received the credit card in the mail 10 days later and opened the account on May 19.
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.
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.
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5 Star Rating
Verified CustomerI really like the convenience of having this card in my portfolio. One of the many things I like about this card is that I get to use it anywhere and get rewards anywhere I go.
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1 Star Rating
Commerce Bank wanted to charge me $15 to make a payment on my credit card with a live person. Wells Fargo doesn't. Discover doesn't. Commerce wanted to charge me money to give them money. Commerce your pathetic petty greed serves mostly to generate ill will with the public. I will never open another account at Commerce and recommend the same to my friends. Apparently the genius who came up with that one has risen to the position as described by the Peter Principle. Sad.
Product: Commerce Bank Credit Cards
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5 Star Rating
Verified CustomerGreat card for the daily consumer. Excepted anywhere and everywhere. Apple wallet compatible. Highly recommend. One of the best VISA cards to start building credit
Product: Commerce Bank Credit Cards
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1 Star Rating
Verified CustomerI had 2 different charges to this card that I didn't make,called right when it happened to file dispute about the over 3,000 ,no reply after 2-3 weeks. They left the charge on my card this whole time which made my credit drop over 50 points because of a purchase on the card which was right for @1700.00.The extra fraud purchases made it use to much of my available credit on this card which affected my score.Most cards go to bat for you in these situations and remove the charges until the dispute is over.I had to find who did it and tell them I was going to my attorney General to file charges,finally got the money back to my account. Terrible customer service for me
Product: Commerce Bank Credit Cards
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1 Star Rating
I researched commerce bank for months. Got the card. Then called them monthly for 4 months to get a feel for the bank, to see if we were a fit. After r months, I decided to pull some money out to take care of bills, they issued a check. $4000 is what I pulled. An emergency came up and I had to fly to east coast to bury my younger sister. I had set up notifications for text, as I couldn't take my computer with me. Never got a text during my 2 weeks dealing with death. When I flew back home, got my mail, I had missed a payment date. I called to ask why I was never notified by text, and they could t answer me. I was late by 6 days. I only got to talk to one lady in all of my calls over 8 months. I asked for a 1 time courtesy on my payment and they just flat out said no. I was agast. Still dealing with death of sibling and depressed, I thought they handled it very wrong. So, I stopped dealing with them. They called 2 or 3 times and then disappeared. Fast forward 3 years. I get a letter, a copy of a 1099-c letter saying they are telling the IRS they discharged a $9,999.00 debt.. and it is on my tax whatever. Funny how the balance went from $4000 to $9999 with no late fees or other interest.
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.
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.
Product: Commerce Bank Credit Cards
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1 Star Rating
They send an offer with pre approval to lower you down. Then after you find out it’s all lies you get a hard inquiry on your credit report. Please don’t fall in their traps like me.
Product: Commerce Bank Credit Cards
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1 Star Rating
On October 4 staff stated I should get refund on credit card in 7 to 10 days for travel that I had to cancel. On October 20 I received a letter stating I may or may not get a refund and they must RECEIVE hefty documentation by no later than October 27. This means I must drop everything else to gather the documentation and then pay a hefty fee at the post office to ensure they receive it by their unfair deadline. Commerce Bank is hazardous to my health.
Product: Commerce Bank Credit Cards
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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?
0
UpvotesReply
Christie Matherne
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?
0
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WalletHub
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?
4
UpvotesReply
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!
What credit score do you need for the AOPA Credit Card?
0
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John Miller
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?
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Maria Adams
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.
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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