SuperMoney
  Commerce Bank Miles Rewards Visa Credit Card

Commerce Bank Miles Rewards Visa Credit Card

in Personal Credit Cards from Commerce Bank

Unaffiliated

Commerce Bank Miles Rewards Visa Credit Card

Unaffiliated

in Personal Credit Cards from Commerce Bank

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend Commerce Bank Miles Rewards Visa Credit Card to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Purchase APR  (Variable APR) 12.24% - 25.24%
Balance Transfer APR  (Variable APR) 12.24% - 25.24%
Credit Score Range 650 - 850
Annual Fee $0

Commerce Bank Miles Rewards Visa Credit Card Review

This is a rewards credit card issued by Commerce Bank. If you're wondering whether Commerce Bank Miles Rewards Visa Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
  • Competitive APRs. Commerce Bank Miles Rewards Visa Credit Card has a variable purchase APR that ranges from 12.24% up to 25.24%.
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 5% Balance transfer fee. Commerce Bank Miles Rewards Visa Credit Card charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $10.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, travel assistance, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Commerce Bank Miles Rewards Visa Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR on new purchases during the first 12 months.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel assistance insurance
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Commerce Bank Miles Rewards Visa Credit Card is accepted.
  • Commerce Bank Miles Rewards Visa Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a 5% balance transfer fee.
Commerce Bank Miles Rewards Visa Credit Card FAQ

Does Commerce Bank Miles Rewards Visa Credit Card have a cash back or rewards program?

Commerce Bank Miles Rewards Visa Credit Card is a travel rewards card.

Commerce Bank Miles Rewards Visa Credit Card Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A

Does Commerce Bank Miles Rewards Visa Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Commerce Bank Miles Rewards Visa Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Commerce Bank Miles Rewards Visa Credit Card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Cell Phone Protection
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Commerce Bank Miles Rewards Visa Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 12.24% up to 25.24%. The card has a variable balance transfer APR that ranges from 12.24% up to 25.24%. It also has a variable cash advance APR of 25.24% . Note that late payments are subject to an APR of 27.24% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does Commerce Bank Miles Rewards Visa Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Commerce Bank Miles Rewards Visa Credit Card have an intro APR offer on new purchases?

Commerce Bank Miles Rewards Visa Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 12 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 12 months.

What are the fees for Commerce Bank Miles Rewards Visa Credit Card?

The following fees apply:

Commerce Bank Miles Rewards Visa Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Late Payment Fee up to $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does Commerce Bank Miles Rewards Visa Credit Card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Commerce Bank Miles Rewards Visa Credit Card?

The Commerce Bank Miles Rewards Visa Credit Card customer service number is (816) 234-2000.

What is the support contact email for Commerce Bank Miles Rewards Visa Credit Card?

The support contact email for Commerce Bank Miles Rewards Visa Credit Card is mymoney@commercebank.com.

Does Commerce Bank Miles Rewards Visa Credit Card report your account activity to credit bureaus?

Yes, Commerce Bank Miles Rewards Visa Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Commerce Bank Miles Rewards Visa Credit Card

  • Visit the Commerce Bank Miles Rewards Visa Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: 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...
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.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Minimum Interest Charge $2.50
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Cellular Telephone Protection
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Assistance
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 25.24%
Balance Computation Daily Balance” (including new Purchases and Fees)
Penalty APR (Variable APR) 27.24%
Purchase APR (Variable APR) 12.24% - 25.24%
Balance Transfer APR (Variable APR) 12.24% - 25.24%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 5%
Card Type
  • Rewards
  • Balance Transfer
  • Travel
Card Network Visa

Be the first to rate

 

Would you recommend Commerce Bank Miles Rewards Visa Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Personal Credit Cards

Commerce Bank Personal Credit Cards

Loading...