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About Our Ratings
Credit Needed
Excellent

Commerce Bank Miles℠ Credit Card Review

Top Features

Points or Miles
Bonus Miles or Points
Purchase APR
10.49% to 20.49% (variable) based on your creditworthiness when you open your account 
Annual Fee
None

This card compared to other travel rewards cards

Points or Miles
2X miles/$1 on all purchases. Get 5% miles back to use toward your next redemption, every time you redeem
3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply
Bonus Miles or Points
Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $500 travel statement credit
Receive 25,000 Membership Rewards® Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
Purchase APR
10.49% to 20.49% (variable) based on your creditworthiness when you open your account 
16.24%, 20.24% or 23.24% Variable 
N/A 
Annual Fee
None
$89-Waived first year
Introductory annual fee of $0 for the first year, then $195.
CardRatings.com Editorial Staff

Commerce Bank Miles℠ Credit Card details

Balance Transfer Intro APR:
0.00% Introductory APR for 6 monthly billing cycles after account opening
Balance Transfer Intro Period:
APR:
6 monthly billing cycles
Balance Transfer Fee:
Either $10 or 5% of the amount of each Balance Transfer, whichever is greater.
Annual Fee:
None
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 6.99% or 16.99%
 6.99% or 16.99%
 21.99%
APR:
  10.49% to 20.49% (variable) based on your creditworthiness when you open your account
 10.49% to 20.49% (variable) based on your creditworthiness when you open your account
 25.49%
APR Floor:
 None
 None
 None
Intro Rate:
 0.00% Introductory APR for 6 monthly billing cycles after account opening
 0.00% Introductory APR for 6 monthly billing cycles after account opening
 N/A
Intro Period:
 6 monthly billing cycles
 6 monthly billing cycles
 N/A


Finance Calculation Method:
 Daily balance method (including new transactions)
Default/Penalty APR:
 27.49%; If your APRs are increased for the stated reason, the Penalty APR will apply until you make six consecutive minimum payments when due.
Default/Penalty Margin:
 23.99%
Default/Penalty APR Floor:
 None
Maximum Default APR:
 (Variable)
Penalty/Default Trigger:
 Penalty APR may be applied to your account if you fail to make the required minimum monthly payment within 60 days of the respective payment due date.

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 1% of each transaction in U.S. Dollars. 2% of each transaction made in currencies other than U.S. dollars.
Late Fee:
 Up to $37
Over-the-limit Fee:
 None
Balance Transfer Fee:
Either $10 or 5% of the amount of each Balance Transfer, whichever is greater.  


Notes:

Rebate Description:
 Earn 1% Cash Back for every dollar in Net Merchandise Purchases. Earn 2% & 3% Cash Back for purchases in select categories. Redeem for 1% Cash Back or choose from gift cards, travel, merchandise and more. UNLIMITED point earning. No cap exists on the points you can earn each year. Points expire after 5 years.
Special Notes:
 Returned Payment Fee: None.
Credit Card More Information:

Card Issued By:
 Commerce Bank
General Correspondence Address:
1000 Walnut
Kansas City, MO 64106
Card Type:
 Visa
Card Class:
 Signature
Card Category:
 Travel Rewards
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

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Apply online for Barclaycard Arrival Plus™ World Elite MasterCard®

Barclaycard Arrival Plus™ World Elite MasterCard®

  • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $500 travel statement credit
  • Earn 2X miles on all purchases
  • Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.24%, 20.24% or 23.24%, based on your creditworthiness. Please note, there is a fee for balance transfers
Credit Needed:
Excellent/Good
Apply online for Premier Rewards Gold Card from American Express

Premier Rewards Gold Card from American Express

  • Receive 25,000 Membership Rewards(R) Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
  • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply.
  • No matter where you're traveling, when you use your Premier Rewards Gold Card there are no foreign transaction fees from American Express.
  • $100 Airline Fee Credit. Up to $100 a year in baggage fees and more at one airline.
  • Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, if available with The Hotel Collection at americanexpress.com/hc. Terms apply.
  • There is a $0 introductory annual fee for the first year, then $195.
  • Terms and limitations apply.
Credit Needed:
Excellent