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Credit Needed
Limited

Commerce Bank Secured Visa® Credit Card Review

Top Features

Cashback on Gas
Cashback on groceries
Cashback on other
Purchase APR
18.24% (variable) 

This card compared to other cash back cards

Card Name
Commerce Bank Secured Visa® Credit Card
Cashback on Gas
1%
1% When You Buy, 1% As You Pay
Cashback on Groceries
1%
1% When You Buy, 1% As You Pay
Cashback on other
5% cash back in categories that change each quarter like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
1% When You Buy, 1% As You Pay
Purchase APR
18.24% (variable) 
11.24% - 23.24% Variable 
13.24% - 23.24%* (Variable) 
CardRatings.com Editorial Staff

Commerce Bank Secured Visa® Credit Card details

Balance Transfer Intro APR:
N/A
Balance Transfer Intro Period:
N/A
Purchase Intro:
APR:
N/A
Purchase APR:
18.24% (variable)
Annual Fee:
$49
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 14.99% (see Notes)
 14.99% (see Notes)
 21.99% (see Notes)
APR:
  18.24% (variable)
 18.24% (variable)
 25.24% (variable)
APR Floor:
 None
 None
 None
Intro Rate:
 N/A
 N/A
 N/A
Intro Period:
 N/A
 N/A
 N/A


Finance Calculation Method:
 Daily balance (including new purchases)
Default/Penalty APR:
 None
Default/Penalty Margin:
 None
Default/Penalty APR Floor:
 None
Penalty/Default Trigger:
 None

Credit Card Fee Information:


Annual Fee:
 $49
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:
 $5 if your minimum payment due is less than or equal to $25; $15 if your minimum payment due is more than $25.
Over-the-limit Fee:
 None
Balance Transfer Fee:
None  


Notes:

Rebate Description:
 N/A
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. Establish or rebuild your credit history, and earn interest on your collateral deposit. Your Secured Credit Card will require a collateral deposit into an interest bearing Secured Credit Card Savings Account. Returned Payment Fee: $25.
Credit Card More Information:

Card Issued By:
 Commerce Bank
General Correspondence Address:
 1000 Walnut
Card Type:
 Visa
Card Class:
 Other
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

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Discover it®- Cashback Match™ with No Annual Fee

  • You could turn $200 into $400 with Cashback Match(TM). We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cashback on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • FICO(R) Credit Scores for free on statements and online.
  • Click "APPLY NOW" to see rates, rewards, FICO(R) Credit Score terms, Cashback Match(TM) details & other information.
Credit Needed:
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Apply online for Citi® Double Cash Card

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  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*
Credit Needed:
Excellent/Good