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Commerce Bank Miles Credit Card

in Personal Credit Cards

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Commerce Bank Miles Credit Card

in Personal Credit Cards

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Overview

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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Other Services by Commerce Bank

Feature Breakdown

Annual Fee
$0
Over-Limit Fee
$0
Returned Payment Fee
$0
Grace Period / Deferred Interest (Months)
25
No Annual Fee
Minimum Interest Charge
$2.5
Late Payment Penalty
$37
Foreign Currency Transaction Fee
1%
Minimum Age
18
Credit Score Range
700 - 850
850 300 700
Customer Type
Personal
Card Type
  • Balance Transfer
  • Rewards
  • Zero Percent
  • Cash Back
Card Network
  • Visa
Free FICO Score
Fraud Liability
Car Rental Insurance
Travel Insurance
Lost Luggage Insurance
Emergency Support
No Reward Expiration Period
Every Purchase
1% cashback for every $1 spent
Purchases APR (variable)
10.49% - 20.49%
0% 29%
Penalty APR
27.49%
Introductory Rate
0%
Balance Transfer APR (variable)
10.49% - 20.49%
8% 29%
Transfer Fee
5% w/$10 min.
Introductory Rate
0%
Intro APR period (months)
6

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Other Personal Credit Cards

Commerce Bank Personal Credit Cards

Product

Reviews

Purchases APR (variable)

Balance Transfer APR (variable)

Annual Fee

Credit Score Range

Commerce Bank Special Connections Rewards Visa
Purchases APR (variable) 11.49% - 21.49% 0% 29%
Balance Transfer APR (variable) 11.49% - 21.49% 8% 29%
Annual Fee $0 Annual Fee
Credit Score Range 700 - 850 300 850
Commerce Bank Special Connections Visa Signature®
Purchases APR (variable) 11.49% - 21.49% 0% 29%
Balance Transfer APR (variable) 11.49% - 21.49% 8% 29%
Annual Fee $0 Annual Fee
Credit Score Range 700 - 850 300 850