Features

Who is Commerce Bank's Visa Signature Credit Card Designed For?

Commerce Bank's Signature Visa is designed for people with good credit want to earn rewards from their purchases and enjoy travel benefits without paying for an annual fee. The card also includes a 0% APR intro rate on balances and purchases, which is good news for people looking to buy expensive items and pay them over time without incurring interest or for people who are already carrying a balance on their current credit card.

Commerce Bank is based in Kansas City and has branches throughout Missouri, Illinois, Oklahoma and Colorado. The bank is insured by the FDIC, has $23.9 billion in assets, an A- rating with the BBB and a four star rating (out of five) with Bauer Financial.

What are the Interest Rates for Commerce Bank's Visa Signature Credit Card?

Commerce Bank's Visa Signature Credit Card charges interest rates on purchases and balance transfers ranging from 10.24% to 20.24% depending on the credit history of cardholders. New members receive a nine-month 0% APR intro rate on both balance transfers and purchases. Cash advances come with a 25.24% APR and there is a 27.24% penalty rate to consider if you are late on a payment. Once the penalty rate is triggered it stays in place until the member makes six payments on time.

What Are the Fees for Commerce Bank's Visa Signature Credit Card?

Commerce Bank's Visa Signature Credit Card doesn't have an annual fee, an overlimit fee, or a returned payment fee. There is a 5% balance transfer and cash advance fee ($10 minimum) and a 2% foreign transaction fee. The foreign transaction fee is reduced to 1% when the transaction was in U.S. dollars.

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

Commerce Bank's Visa Signature Credit Card gives cardholders 1 point per $1 spent on purchases and 3 points per $1 spent on interest. There is no limit to the amount of points a cardholder can earn. However, points do expire after 5 years. Members can redeem points for travel, cashback, gift cards, or merchandise.

The triple points reward rate may seem like a good deal. However, it's important to realize the triple points only applies on the interest paid, not the actual balance. For example, if you have a $5,000 balance and you pay $50 in interest, you would receive 150 points as a reward. Points have an approximate cash value of one cent, so you would have paid $50 in interest to earn $1.50.

What about Commerce Bank's Visa Signature Credit Card Signup Bonus?

Apart from the nine-month 0% APR intro rate, there is no signup bonus for Commerce Bank's Visa Signature Credit Card.

Does Commerce Bank's Visa Signature Credit Card Have Any Other Benefits?

Commerce Bank's Visa Signature does not have a pre-set spending limit, which can provide cardholders with a remarkable purchasing power. As with all Visa Signature cards, it includes prime benefits, such as Concierge Service, zero liability coverage, emergency card replacement, access to your FICO score, $250,000 travel accident insurance, auto rental collision damage waiver and lost luggage reimbursement.

How Is Commerce Bank's Special Connections Visa with Rewards Better Than Other Credit Cards?

Commerce Bank's Visa Signature Credit Card has competitive interest rates and no annual fee but still manages to include a rewards program and a nine-month 0% intro rate. It also includes prime benefits such as a concierge service, $250,000 of travel accident insurance. The triple points on interest paid is a little misleading to customers and encourages bad credit behavior, but when used wisely this card can provide valuable benefits and rewards without paying fees.

  • 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
    10.49% - 20.49%
  • Transfer Fee
    5% w/$10 min.
  • Balance Transfer APR
    10.49% - 20.49%
  • Intro APR period (months)
    9
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
SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

No reviews found.

Be the first to write a review for this company!

Write a Review

New Review for Commerce Bank - Visa Signature

Rate your experience:

Cancel