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About Our Ratings
Credit Needed
Excellent

Commerce Bank Visa® Signature Credit Card Review

Top Features

Cashback on Gas
1%
Cashback on groceries
1%
Cashback on other
1%
Annual Fee
None

This card compared to other cash back cards

Card Name
Commerce Bank Visa® Signature Credit Card
Cashback on Gas
1%
1.5%
1%
Cashback on Groceries
1%
1.5%
1%
Cashback on other
1%
1.5%
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.
Purchase Intro
APR:
0.00% Introductory APR for 9 monthly billing cycles after account opening
Period:
9 monthly billing cycles
APR:
0%
Period:
for 15 Months
APR:
0%
Period:
for 12 months
Purchase APR
10.24% to 20.24% (variable) based on your creditworthiness when you open your account 
14.24%-23.24% (Variable) 
11.24% - 23.24% Variable 
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 Chase Freedom Unlimited℠

Chase Freedom Unlimited℠

  • NEW! Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash - any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Credit Needed:
Excellent/Good
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Credit Needed:
Excellent/Good