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Commerce Bank® Unlimited Cash Back1 Rewards Credit Card Review

 Managing Editor  | Updated

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Commerce Bank® Unlimited Cash Back1 Rewards Credit Card

This card is no longer available.
Our Rating:   
Excellent, Good

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.

Top Features

 Rewards
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.
 Bonus Rewards
N/A
 Annual Fee
$0

Commerce Bank® Unlimited Cash Back1 Rewards Credit Card Compared to Other Travel rewards Cards

This card is no longer available.
Commerce Bank® Unlimited Cash Back1 Rewards Credit Card
Apply online for Chase Sapphire Reserve®
Rewards
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. 
Rewards
Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases. Earn 2 AAdvantage® miles for every $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations. Earn 1 AAdvantage® mile per $1 spent on other purchases. 
Rewards
Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants. Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases 
Rewards
3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees. 
Rewards
Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services. Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases. Earn 1 AAdvantage® mile for every $1 spent on other purchases 
Bonus Rewards
N/A  
Bonus Rewards
Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.  
Bonus Rewards
Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening  
Bonus Rewards
Earn 50,000 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®  
Bonus Rewards
Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening.  
Annual Fee
$0 
Annual Fee
$99, waived for first 12 months 
Annual Fee
$99, waived for first 12 months 
Annual Fee
$550 
Annual Fee
$0 

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