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Credit Needed
Excellent

Commerce Bank Visa® Signature Credit Card Review

Commerce Bank Visa® Signature Credit Card details

Balance Transfer Intro APR:
0.00% Introductory APR for 9 monthly billing cycles after account opening
Balance Transfer Intro Period:
9 monthly billing cycles
Purchase Intro:
APR:
0.00% Introductory APR for 9 monthly billing cycles after account opening
Period:
9 monthly billing cycles
Purchase APR:
10.24% to 20.24% (variable) based on your creditworthiness when you open your account
Annual Fee:
None
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Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 6.99% to 16.99% (see Notes)
 6.99% to 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 9 monthly billing cycles after account opening
 0.00% Introductory APR for 9 monthly billing cycles after account opening
 N/A
Intro Period:
 9 monthly billing cycles
 9 monthly billing cycles
 N/A


Finance Calculation Method:
 Daily balance method (including new transactions)
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:
 This 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 point for every dollar in Net Merchandise Purchases. Earn 3 points for every dollar in interest you accrue on your monthly balance. Redeem for 1% Cash Back or choose from gift cards, travel, merchandise and more.
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:
 
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

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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