Features

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 interest 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 Interest Rates for Commerce Bank Miles Visa Card?

Interest rates on purchases and balance transfers range from 10.49% 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%, and there is a 27.49% penalty APR 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 interest 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.

  • 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
    1%
  • 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
    10.49% - 20.49%
  • Transfer Fee
    5% w/$10 min.
  • Balance Transfer APR
    10.49% - 20.49%
  • Intro APR period (months)
    6
js-table-filter bizname-commerce-bank--miles-credit-card
0
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js-table-filter free-fico-score-575
10.49
0
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js-table-filter no-introductory-apr-350
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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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