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What Commerce Bank says about this card
- 3% Cash Back1 at Coffee Shops, Fast Food Locations and on Ridesharing Services2
- 2% Cash Back1 at Gas Stations2 and Restaurants2
- Plus, 1% Cash Back1on all other purchases! Cash Back redemption is applied as a statement credit.
- Unlimited Cash Back1on every purchase - no rotating categories, no sign ups and no point caps
- 0% Intro APR3for 12 monthly billing cycles for purchases and balance transfers, then 12.49% - 22.49% Variable APR4. Balance Transfer fee of 5%, $10 minimum.
- $0 Annual Fee*
By Amber Stubbs Managing Editor Updated Apr 5, 2019
CardRatings Editor's Analysis: Pros & Cons
- An excellent option for frequent drivers and those who enjoy dining out – earn 2 percent cash back on all your gas station and restaurant purchases.
- Cardholders also earn 3 percent cash back with wireless providers and on ridesharing purchases.
- There's no annual fee to worry about offsetting, so all your cash back can go right back in your wallet
- These are nice tiered cash back categories, but they're rather niche; if you don't drive (or rideshare) often or if you spend more at grocery stores than eating out, you're unlikely to realize top cash-back rewards with this card.