Commerce Bank Business Visa Platinum Credit Card
Commerce Bank Business Visa Platinum Credit Card Unaffiliated

Commerce Bank Business Visa Platinum Credit Card

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Purchase APR  (Variable APR) 12.24% - 25.24%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 600 - 850
Annual Fee $0

Commerce Bank Business Visa Platinum Credit Card Review

Key Takeaways

  • Competitive APRs. Commerce Bank Business Visa Platinum Credit Card has a variable purchase APR that ranges from 12.24% up to 25.24%.
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of Commerce Bank business Platinum

The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Considers applicants with fair credit.
  • Commerce Bank Business Visa Platinum Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 2%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.

Commerce Bank business Platinum FAQ

Who is Commerce Bank business Platinum designed for?

This is a credit card issued by Commerce Bank.

This business card is designed for small businesses with fair credit. The minimum credit score to apply is 600.

What are the relevant APRs?

This business credit card has a variable purchase APR that ranges from 12.24% up to 25.24%.

It also has a variable cash advance APR of 25.24%. Note that late payments are subject to an APR of 27.24% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does it have an introductory APR offer?

This business card does not offer an introductory rate on new purchases.

Commerce Bank business Platinum Rates & Terms
Purchase APR 12.24% - 25.24%
Cash Advance APR 25.24%
Penalty APR 27.24%

What fees does it charge?

The following fees apply to this business credit card:

  • There is no annual fee.
  • A late payment penalty of up to $40.
  • An overlimit fee of $29.

Does it charge a foreign transaction fee?

This business card charges a foreign transaction fee of 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. If you travel abroad you may want to leave this business card at home and apply for one that doesn't charge a foreign transaction fee.

Commerce Bank business Platinum Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 2%
Late Payment Fee up to $40

Does it offer a cash back or rewards program?

No, it does not offer a cash back rewards program.

What are the benefits?

This business credit card provides the following benefits:

  • Fraud Liability
  • Reports to major credit bureaus

What is the customer service phone number?

The customer service number for this business card is (816) 234-2000.

What is the support contact email?

The support contact email for this business credit card is

Does Commerce Bank Business Visa Platinum Credit Card report your account activity to credit bureaus?

Yes, Commerce Bank Business Visa Platinum Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply?

  • Visit the Commerce Bank .
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Commerce Bank business Platinum

Streamline your small business payments through a card program with big business advantages. As a small business owner, you have plenty on your plate. Consequently, every dollar you save is a dollar that falls to your bottom line. That’s where Commerce Bank can help. Whether you are looking for a rewards card or simply an alternative to petty cash funds, we likely have a solution for you. Let Commerce help you reduce the time you spend managing your budget so you can focus more on your customers. Your business is unique, and so should your business credit card. We can help. Our Business Platinum Card is designed to give you the ability to adapt to your ever-changing needs as a business owner. No annual fee. Low APR and an extended grace period. Set Individual credit limits for employees. Emergency Card Replacement. Revolving payments or paying in full options. Keep your business running smoothly with this Commerce Business Platinum Card. Ask a Commerce Bank branch representative about all the included Commerce and Visa® credit card benefits.

Feature Breakdown

Annual Fee $0
Cash Advance Fee (%) Up to 5%
Cash Advance Fee Minimum $10
Foreign Currency Transaction Fee 2%
Late Fee Amount Up to $40
Minimum Cash Advance Fee ($) Starting at $10
Minimum Interest Charge $2.50
No Annual Fee
No Interest Grace Period for Late Payment 25 days
Over-Limit Fee $29
Customer Type Business
Minimum Age 18
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Type No Rewards
APR Type Variable APR
Balance Computation Average Daily Balance (including new purchases, cash advances, fees and finance charges)
Cash Advance APR (Variable APR) 25.24%
Penalty APR (Variable APR) 27.24%
Purchase APR (Variable APR) 12.24% - 25.24%
Card Network Visa
Card Type
  • Balance Transfer

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