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Last Updated: 07/28/2025

Not Currently Available

Commerce Bank Miles Credit Card

in Credit Cards from Commerce Bank

Last Updated: 07/28/2025

Created by:

created by author logoSuperMoney

Fact Checked by:

fact checked by author logoAndrew Latham
Commerce Bank Miles Credit Card logo
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Highlights

Purchase APR (Variable APR)

10.49% - 20.49%(Verified 06/21/2024)

Balance Transfer APR (Variable APR)

10.49% - 20.49%(Verified 06/21/2024)

Credit Score Range

700 - 850

Annual Fee

$0
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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.

Commerce Bank Miles Credit Card logo

Message from Commerce Bank Miles Credit Card

With the Commerce Miles® credit card, it's easier than ever to earn rewards on your travel purchases. This travel rewards credit card has no annual fee, no foreign transaction fees, no blackout dates or airline booking restrictions. Jet-set and apply today. Bon voyage! Redeem with any airline, hotel, cruise line or car rental – no booking restrictions.

Contact

Headquarters

1000 Walnut Street
Kansas City, MO 64106
(800) 892-7100
Visit Site
Email Support

Hours of Operation

Sunday
Closed
Monday
8:00AM - 8:00PM
Tuesday
8:00AM - 8:00PM
Wednesday
8:00AM - 8:00PM
Thursday
8:00AM - 8:00PM
Friday
8:00AM - 8:00PM
Saturday
8:00AM - 4:00PM

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