dcsimg
About Our Ratings
Credit Needed
Excellent

Commerce Bank Miles℠ Credit Card Review

Top Features

Points or Miles
Bonus Miles or Points
Purchase APR
10.24% to 20.24% (variable) based on your creditworthiness when you open your account 
Annual Fee
None

This card compared to other airlines cards

Points or Miles
Get 2 Miles per dollar spent on purchases made directly with Delta. Get 1 mile for every dollar spent on all other eligible purchases.
Double AAdvantage(R) miles on eligible American Airlines purchases*
Bonus Miles or Points
Get 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months.
Earn 50,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases within the first 3 months of account opening*
Purchase APR
10.24% to 20.24% (variable) based on your creditworthiness when you open your account 
15.49%-19.49% Variable 
14.24% - 22.24%* (Variable) 
Annual fees
None
$0 introductory annual fee for the first year, then $95.
$95, waived for first 12 months*
Rates and Fees
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% (see Notes)
 6.99% or 16.99% (see Notes)
 21.99% (see Notes)
APR:
  10.24% to 20.24% (variable) based on your creditworthiness when you open your account
 10.24% to 20.24% (variable) based on your creditworthiness when you open your account
 25.24% (variable)
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
Default/Penalty APR:
 27.24%; 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% (see Notes)
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 3% Cash Back for every dollar in interest you accrue on your monthly balances. Redeem for 1% Cash Back or choose from gift cards, travel, merchandise and morePoints can be redeemed for merchandise, gift cards, cash back, travel, and more. There is no limit on the number of points you can earn each year. Points expire after 5 years.
Special Notes:
 APR Note: Rates reflected above are per the Commerce Bank website as of 1/28/2016, and reflect a Prime Rate of 3.25%. Contact Commerce Bank to see what may have changed since that date.
Credit Card More Information:

Card Issued By:
 Commerce Bank
General Correspondence Address:
 1000 Walnut
Card Type:
 Visa
Card Class:
 Signature
Card Category:
 Airline Rewards, Airlines, Miles/Points
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

Credit Card Consumer Reviews:

  1. No reviews available for this card.   Be the first to review!

Write Consumer Reviews:





E-Mail will not be published









Start Here

Search. Compare. Apply.

Apply online for Bank of America® Cash Rewards for Business MasterCard® Credit Card

Bank of America® Cash Rewards for Business MasterCard® Credit Card

  • Get a $100 statement credit after $500 in purchases within 60 days of account opening - with no annual fee and no limit to the base cash back you can earn
  • 3% cash back on purchases at gas stations and office supply stores, 2% on purchases at restaurants, and 1% on all other purchases (Annual cap of $250,000 on combined gas station and office supply store purchases; then 1% earn rate after that)
  • Redeem your cash rewards for cash back, or apply them to a Bank of America(R) savings or checking account
Credit Needed:
Excellent