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Credit Needed
Excellent

Commerce Bank Visa® Signature Credit Card Review

Top Features

Cashback on Gas
1%
Cashback on groceries
1%
Cashback on other
1%
Purchase APR
10.24% to 20.24% (variable) based on your creditworthiness when you open your account 

This card compared to other cash back cards

Card Name
Commerce Bank Visa® Signature Credit Card
Cashback on Gas
1%
1% When You Buy, 1% As You Pay
Up to 3%
Cashback on Groceries
1%
1% When You Buy, 1% As You Pay
Up to 2% at grocery stores
Cashback on other
1%
1% When You Buy, 1% As You Pay
1%
Purchase APR
10.24% to 20.24% (variable) based on your creditworthiness when you open your account 
13.24% - 23.24%* (Variable) 
13.24% - 23.24% Variable APR on purchases and balance transfers 
Rates and Fees
CardRatings.com Editorial Staff

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
see more  

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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Apply online for Citi® Double Cash Card

Citi® Double Cash Card

  • 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
Apply online for BankAmericard Cash Rewards™ Credit Card

BankAmericard Cash Rewards™ Credit Card

  • No annual fee
  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and 3% on gas up to the first $1,500 in combined grocery/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America(R) checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards
Credit Needed:
Excellent/Good