Last Updated: 07/28/2025
SuperMoney User Recommendation Score -67
Strongly not recommended6 total votes
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Highlights
Community Rating
Strongly not recommended
Purchase APR (Variable APR)
11.99% - 20.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
11.99% - 20.99%(Verified 06/21/2024)
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Credit Score Range
700 - 850
Annual Fee
$0
Number of Reviews
Comerica Bank Visa Platinum® Card Review
This is a card issued by Comerica Bank. If you're wondering whether Comerica Bank Visa Platinum® Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 20 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 20 months.
- APRs: Comerica Bank Visa Platinum® Card has a variable regular purchase APR that ranges from 11.99% up to 20.99%.
- 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.
- A 3% balance transfer fee. Comerica Bank Visa Platinum® Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Accepts cosigners. Comerica Bank is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, extended warranty protection on purchases, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Comerica credit card
| The Good | The Bad |
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Comerica credit card FAQ
Does Comerica credit card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Auto Rental Collision Damage Waiver
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Comerica credit card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Comerica Bank Visa Platinum® Card has a variable purchase APR that ranges from 11.99% up to 20.99%. The card has a variable balance transfer APR that ranges from 11.99% up to 20.99%. It also has a variable cash advance APR of 23.99% .
Does Comerica credit card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 20 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 11.99% - 20.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 20 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Comerica credit card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 20 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 20 months.
What are the fees for Comerica credit card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 4% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Comerica credit card have a foreign transaction fee?
Comerica credit card charges a foreign transaction fee of up to 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Comerica credit card?
The customer service number for Comerica credit card is (800) 266-3742.
What is the support contact email for Comerica credit card?
The support contact email for Comerica credit card is OEWCmail@comerica.com.
How do people rate the customer service and user experience of Comerica credit card?
Overall, Comerica credit card is strongly not recommended based on community reviews that rate customer service and user experience.
Does Comerica Bank Visa Platinum® Card report your account activity to credit bureaus?
Yes, Comerica Bank Visa Platinum® Card reports to the following credit bureaus:
- 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 build your credit.
Does Comerica Bank perform a hard credit pull?
Yes, Comerica credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Comerica credit card
- Visit the website of Comerica credit card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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.
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -67, or 1.7 on a 5-point rating scale.
-67
-1000+100
No one recommends
Everyone recommends
Comerica Bank Visa Platinum® Card Community Reviews
Would you recommend Comerica Bank Visa Platinum® Card to your friends?
Donna
May 11, 2022
May or may not recommend
I made a mistake and overpaid my credit card balance in March 2022 . In an email from customer service they agreed to send me a check for the amount I overpaid. 6 weeks have gone by no check and no help on the phone or email. I received a letter from them stating they transferred the money owed to me electronically to my financial institution. What! ...Show More
Robert M.
Jan 13, 2020
May or may not recommend
Unfortunately, I have to generally agree with the negative comments submitted concerning this product. I'd also say those criticism are pretty typical across the banking landscape, at least it has been for me. With all that being said, I think that there are two benefits of this card that together, may very well make it worthwhile. The availability of an auto rental collision damage waiver coupled with no annual fee ...Show More
OA
Orea A.
Mar 9, 2019
May or may not recommend
Do not apply for this credit. They will scam you. Their fees and interest rates are too high. They don't care about their customers at all. I suggest Discover, especially to students.
ZR
Zack R.
Nov 23, 2018
May or may not recommend
This is one of the worse credit card,because no matter how much you pay down the credit they continue charge high interest and staffs are rude, unprofessional over the phone the supervisor said many times he does not care about customer and it was very disgust it. I wish I would have known about it before, so I would not have waste it my time
DO
David O.
Nov 16, 2018
May or may not recommend
There's a worse scenario with minimum payment. Comerica has really stuck it to me. I took a cash advance 5 yrs ago of $200. Set up autopay for the minimum. 5 yrs later, my cash advance amount is over $1400. Apparently, they take the payment off of the lower interest rate 1st. That rate is tied to my regular charges and NOT to my cash advance charge. The cash advance ...Show More
U
Anonymous
Oct 8, 2018
May or may not recommend
I have not got one yet just getting ready to apply
Showing 6 of 6 reviews
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