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Apply online for Commerce Bank® Unlimited Cash Back1 Rewards Card

Commerce Bank® Unlimited Cash Back1 Rewards Card Review

Excellent, Good

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What Commerce Bank says about this card

Apply online for Commerce Bank® Unlimited Cash Back1 Rewards 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.

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