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);
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.
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.
I 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
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Product: Commerce Bank Credit Cards
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crazy @crazy
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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.
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Product: Commerce Bank Credit Cards
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Mo Hendawi @mohendawi
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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.
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Product: Commerce Bank Credit Cards
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oiseau @oiseau
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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.
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Product: Commerce Bank Credit Cards
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thetasigma483_1 @thetasigma483_1
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3 Star Rating
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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4 Star Rating
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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5 Star Rating
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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2 Star Rating
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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3 Star Rating
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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4 Star Rating
Verified Customer
Only had it a year. They are quick to process. The signing bonus was quickly applied to my account. Bonus program could be better
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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 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.
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!
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.
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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