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

Commerce Bank Business Visa Credit Card

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Highlights
Purchase APR 14.9%
Balance Transfer APR N/A
Credit Score Range 650 - 850
Annual Fee $0

Commerce Bank Business Visa Credit Card Review

Key Takeaways
  • Competitive APRs. Commerce Bank Business Visa Credit Card has a variable purchase APR of 14.9%
  • 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.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Commerce Bank business credit card
The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Commerce Bank Business Visa Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
Commerce Bank business credit card FAQ

Who is Commerce Bank business credit card 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 650.

What are the relevant APRs?

This business credit card has a variable purchase APR of 14.9%.

It also has a variable cash advance APR of 19.9%.

Does it have an introductory APR offer?

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

Commerce Bank business credit card Rates & Terms
Purchase APR 14.9%
Cash Advance APR 19.9%

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 $29.
  • An overlimit fee of $29.
Commerce Bank business credit card Fees
Fees Amount
Annual Fee $0
Late Payment Fee $29

Does it offer a cash back rewards program?

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

Can I get it with just an employer identification number (EIN)?

You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.

What are the benefits?

This business credit card provides the following benefits:

  • Reports to major credit bureaus

What is the support contact email?

The support contact email for this business credit card is mymoney@commercebank.com.

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

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

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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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

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. Earning rewards while managing
your finances has never been easier. From 1% cash back* to airline travel to gift cards, this card offers some of the most competitive
redemption options in the industry. No annual fee. Individual credit lines for employees. Earn 2x and 3x points in select merchant categories when you activate Quarterly Bonus Points. Set individual credit limits per employee. Emergency Card Replacement. Revolving payments or paying in full options. Watch your points add up! Ask a Commerce Bank branch representative about all the included Commerce and Visa® credit card benefits.

Feature Breakdown

Annual Fee $0
No Annual Fee
No Interest Grace Period for Late Payment 20 days
Cash Advance Fee (%) Up to 3%
Cash Advance Fee Minimum $15
Late Fee Amount $29
Minimum Cash Advance Fee ($) Starting at $15
Minimum Interest Charge $0.50
Over-Limit Fee $29
Minimum Age 18
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Balance Computation Average Daily Balance (including new purchases, cash advances, fees and finance charges)
Cash Advance APR 19.9%
Purchase APR 14.9%
Card Network Visa
Card Type
  • Rewards
  • Balance Transfer
  • Cashback

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Commerce Bank Business Credit Cards

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