Features

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.

  • Card Type
    Balance Transfer Rewards
  • Customer Type
    Personal
  • Card Network
    Visa
  • Minimum Age
    18
  • Co-signing Allowed
  • Grace Period / Deferred Interest
    25
  • Late Payment Penalty
    $37
  • Minimum Interest Charge
    $3
  • Foreign Currency Transaction Fee
    2%
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Free FICO Score
  • Lost Luggage Insurance
  • Travel Insurance
  • Air Miles
  • Cashback
  • Points
  • Penalty APR
    27.49%
  • Purchases APR
    14.49% - 20.49%
  • Introductory Rate
    1.99%
  • Transfer Fee
    5% w/$10 min.
  • Balance Transfer APR
    14.49% - 20.49%
  • Introductory Rate
    1.99%
  • Intro APR period (months)
    6
js-table-filter bizname-commerce-bank--miles-credit-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
js-table-filter free-fico-score-575
10.49
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1985

  • Cashback
  • Every Purchase
  • Free FICO Score
  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Card Type Rewards
Purchases APR 10.49%
Balance Transfer APR 10.49%
Intro APR period (months) 6
006
js-table-filter bizname-commerce-bank--special-connections-visa-with-rewards
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
10.49
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1985

  • Cashback
  • Every Purchase
  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Card Type Rewards
Purchases APR 10.49%
Balance Transfer APR 10.49%
Intro APR period (months) 6
006
js-table-filter bizname-commerce-bank--visa-signature
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
js-table-filter free-fico-score-575
10.49
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1985

  • Cashback
  • Every Purchase
  • Free FICO Score
  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Card Type Rewards
Purchases APR 10.49%
Balance Transfer APR 10.49%
Intro APR period (months) 9
006
js-table-filter bizname-commerce-bank--garfield-visa
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter points-137
14.49
1.99
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1985

  • Points
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 14.49%
Balance Transfer APR 14.49%
Introductory Rate 1.99%
Intro APR period (months) 6
006
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