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  Commerce Bank Garfield Visa Credit Card

Out of Business

Commerce Bank Garfield Visa Credit Card

in Personal Credit Cards from Commerce Bank

Out of Business

Commerce Bank Garfield Visa Credit Card

in Personal Credit Cards from Commerce Bank

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Highlights
Highlights
Balance Transfer APR  (Variable APR) 14.49% - 20.49%
Credit Score Range 640 - 850
Annual Fee $0
Purchase APR  (Variable APR) 14.49% - 20.49%

Commerce Bank Garfield Visa Credit Card Review

This card is no longer available.

If you were a fan of Garfield, the Commerce Bank – Garfield Visa card provided you with a cool opportunity to demonstrate that fact. But as of January 2015, the card Commerce Bank website no longer features this card. As it turns out, this card offered middling benefits at best, and there are alternatives available that are as good, if not better.

Who Was the Commerce Bank – Garfield Visa Card Designed For?

This was a regular consumer visa card. It was not targeted for students. It was also not intended for business use.

Were There Annual Fees?

There were no annual fees.

Did the Commerce Bank – Garfield Visa Card Offer Rewards?

Cardholders were awarded 1 point for every 1 dollar in net merchandise purchases and 3 points for every 1 dollar in interest charges. There was no limit on the number of points that could be earned, and points expired after 3 years.

Were There Foreign Transaction Fees?

Foreign transaction fees of 1 percent were imposed on transactions made in US Dollars and 2 percent on transactions made with foreign currency.

Were There Late Payment or other Penalty Fees?

Late payments were penalized up to 37 dollars. Balance transfers and cash advances were charged 10 dollars or 5 percent, whichever is greater.

Summary

With the Commerce Bank – Garfield Visa card, cardholders received a card with an amusing cartoon design and a so-so set of benefits. Especially for individuals with good credit, there were – and are – cards with better benefits to be had. The major point in this card's favor was the absence of an annual fee, a trait shared by many credit cards.

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Feature Breakdown

Introductory Rate 1.99%
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee  
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee $0
Foreign Currency Transaction Fee 2%
Minimum Interest Charge $2.50
Late Fee Amount $37
Customer Type Personal
Minimum Age 18
Credit Score Range 640 - 850
Emergency Support  
Travel Insurance  
Fraud Liability  
Car Rental Insurance  
Penalty APR (Variable APR) 27.49%
Purchase APR (Variable APR) 14.49% - 20.49%
Balance Transfer Introductory APR (Variable APR) 1.99%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 14.49% - 20.49%

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Balance Transfer APR 13.74% - 26.74%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 13.74% - 26.74%
(Variable APR)
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Balance Transfer APR 11.74% - 21.74%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 11.74% - 21.74%
(Variable APR)
    0% 36% Variable APR