Commerce Bank Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 03/07/2023.
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It has been nightmare trying to sort out these interest charges that should be conveyed clearly to customers when such offers expire. I have taken similar offer from Bank One, BOFA, Citi, Chase, etc banks in past and they mention expiry date on each of their statement. By not clarifying this to customers, I feel that Commerce Bank has scammed me of my money!
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 Offers
Commerce Bank Q&A(19 questions)
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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.
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'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.
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.
What's the Commerce Bank routing number?
The Commerce Bank routing number is 101000019. You can find the routing number in the bottom left corner of your checks.
You can also find the routing number in online banking at the bottom left side of the account activity screen.
To find the routing number in the app, select your checking account, scroll past your recent transactions, and tap Routing & Account Number to show both.
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!