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  Commerce Bank Business Visa Platinum Credit Card

Commerce Bank Business Visa Platinum Credit Card

in Business Credit Cards from Commerce Bank

Unaffiliated

Commerce Bank Business Visa Platinum Credit Card

Unaffiliated

in Business Credit Cards from Commerce Bank

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Highlights
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

Commerce Bank Business Visa Platinum Credit Card FAQ

Who is Commerce Bank Business Visa Platinum Credit Card designed for?

Commerce Bank Business Visa Platinum Credit Card is a credit card issued by Commerce Bank. 

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

What are the relevant APRs for Commerce Bank Business Visa Platinum Credit Card?

Commerce Bank Business Visa Platinum 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 Commerce Bank Business Visa Platinum Credit Card have an introductory APR offer?

Commerce Bank Business Visa Platinum Credit Card does not offer an introductory rate on new purchases.

Commerce Bank Business Visa Platinum Credit Card Rates & Terms
Purchase APR 12.24% - 25.24%
Cash Advance APR 25.24%
Penalty APR 27.24%

What are the Commerce Bank Business Visa Platinum Credit Card fees?

The following fees apply to Commerce Bank Business Visa Platinum Credit Card:

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

Does Commerce Bank Business Visa Platinum Credit Card have a foreign transaction fee?

Commerce Bank Business Visa Platinum Credit 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 card at home and apply for one that doesn't charge a foreign transaction fee.

Commerce Bank Business Visa Platinum Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 2%
Late Payment Fee up to $40

Is there a Commerce Bank Business Visa Platinum Credit Card cash back or rewards program?

No, Commerce Bank Business Visa Platinum Credit Card does not offer a rewards program.

What are the Commerce Bank Business Visa Platinum Credit Card benefits?

Commerce Bank Business Visa Platinum Credit Card provides the following benefits:

  • Fraud Liability
  • Reports to major credit bureaus

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 for Commerce Bank Business Visa Platinum Credit Card

  • 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.

Feature Breakdown

Annual Fee $0
No Annual Fee
No Interest Grace Period for Late Payment 25 days
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
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
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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