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  Commerce Bank Miles Credit Card

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Commerce Bank Miles Credit Card

in Personal Credit Cards from Commerce Bank

Out of Business

Commerce Bank Miles Credit Card

in Personal Credit Cards from Commerce Bank

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Highlights
Highlights
Purchase APR  (Variable APR) 10.49% - 20.49%
Balance Transfer APR  (Variable APR) 10.49% - 20.49%
Credit Score Range 700 - 850
Annual Fee $0

Commerce Bank Miles Credit Card Review

This card is no longer available.

Who is the Commerce Bank Miles Visa Card Designed For?

The Commerce Bank Miles credit card is designed for people with good to excellent credit who want a straightforward travel rewards card with no annual fee and competitive rates. It also has a six-month 0% APR on balance transfers, which makes this card a good fit for people who carry a balance or are planning to make large purchases.

What are the Rates for Commerce Bank Miles Visa Card?

Rates on purchases and balance transfers range from 10.49% APR to 20.49% APR based on creditworthiness. The card also has a six month 0% APR on balance transfers and purchases. However, consider the 5% balance transfer fee (minimum of $10) before considering a balance transfer. Cash advance rates are high, 25.24% APR, and there is a 27.49% APR penalty for cardholders who are late on payments

What Are the Fees for Commerce Bank Miles Visa Card?

The Commerce Bank Miles credit card has no annual fee and just a 1% foreign transaction fee. As mentioned above, the balance transfer fee is high, 5% or $10, whatever is greater. There is also a 5% cash advance fee and an additional $10 or 5% overdraft cash advance. There is not returned payment penalty fee, but late payments incur a $38 penalty fee.

What Is Commerce Bank Miles Visa Card's Rewards Program Like?

The rewards program of the Commerce Bank Miles credit card is simple and underwhelming. Cardholders earn one point for every dollar they spend, and three points for every dollar in interest they make from their monthly balance. Points are redeemable for travel, cash back, gift cards and merchandise. There is no limit to the number of points you can earn but they do expire after 5 years.

What about Commerce Bank Miles Visa Card's Signup Bonus?

The card does not include a signup bonus at this time.

Does the Commerce Bank Miles Visa Card Have Any Other Benefits?

This is a Visa Signature® card and therefore carries a 24/7 concierge service, auto rental collision damage waiver, lost luggage reimbursement, roadside dispatch, travel and emergency assistance, a $250,000 travel accident insurance, and purchase security. The card also provides members with complimentary access to their FICO credit scores and emergency card replacement.

How Is Commerce Bank Miles Visa Card Better Than Other Credit Cards?

The Commerce Bank Miles credit card offers low rates, as well as a travel rewards program and benefits without charging an annual fee. The extra points on interest earned from savings, make this card a particularly good deal for people who use Commerce as their primary bank.

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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

Introductory Rate 0%
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 1%
Minimum Interest Charge $2.50
Late Fee Amount $37
Customer Type Personal
Minimum Age 18
Credit Score Range 700 - 850
No Reward Expiration Period  
Penalty APR (Variable APR) 27.49%
Purchase APR (Variable APR) 10.49% - 20.49%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 10.49% - 20.49%

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