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Apply online for Commerce Bank® Unlimited Cash Back1 Rewards Credit Card

Commerce Bank® Unlimited Cash Back1 Rewards Credit Card Review

Excellent, Good

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What Commerce Bank says about this card

Apply online for Commerce Bank® Unlimited Cash Back1 Rewards Credit Card
  • 0% Intro APR3for 12 monthly billing cycles for purchases and balance transfers, then 14.49% - 27.49% Variable APR4. Balance Transfer fee of 5%, $10 minimum.
  • $0 Annual Fee*
  • 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

By Amber Stubbs Managing Editor  Updated Jun 19, 2019

Top Features

RewardsBonus RewardsAnnual Fee
3% Cash Back at Wireless Providers & Ride Sharing Services. 2% Cash Back at Gas Stations & Restaurants. Plus, 1% Cash Back on all other purchases! Cash back redemption is applied as a statement credit.N/A$0

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.

Commerce Bank® Unlimited Cash Back1 Rewards Credit Card compared to other travel rewards cards

Card Name
Rewards
Bonus Rewards
Annual Fee
Ratings/Apply
3% Cash Back at Wireless Providers & Ride Sharing Services. 2% Cash Back at Gas Stations & Restaurants. Plus, 1% Cash Back on all other purchases! Cash back redemption is applied as a statement credit.
N/A
$0
Chase Sapphire Preferred® Card
Apply online for Chase Sapphire Preferred® Card
2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
$95
2 Miles per dollar on every purchase, every day.
50,000 Miles once you spend $3,000 on purchases within 3 months from account opening
$0 intro for first year; $95 after that
American Express® Gold Card
Apply online for American Express® Gold Card
Earn 4X Membership Rewards® points when you dine at restaurants worldwide. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
Earn 35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new Card within the first 3 months.
$250
Apply Now
Terms and Limitations Apply
Bank of America® Premium Rewards® credit card
Apply online for Bank of America® Premium Rewards® credit card
2 points for every $1 spent on travel and dining purchases. 1.5 points per $1 spent on all other purchases.
50,000 bonus points after you make at least $3,000 in purchases in the first 90 days of account opening.
$95

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