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  Commerce Bank of Oregon Visa Platinum Credit Card

Commerce Bank of Oregon Visa Platinum Credit Card

in Personal Credit Cards from Commerce Bank of Oregon

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Commerce Bank of Oregon Visa Platinum Credit Card

Unaffiliated

in Personal Credit Cards from Commerce Bank of Oregon

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Highlights
Purchase APR  (Fixed APR) 14.04%
Balance Transfer APR  (Fixed APR) N/A
Credit Score Range 600 - 850
Annual Fee $25

Commerce Bank of Oregon Visa Platinum Credit Card Review

Commerce Bank of Oregon Visa Platinum Credit Card is a credit card issued by Commerce Bank of Oregon. If you're wondering whether Commerce Bank of Oregon Visa Platinum Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Competitive APRs. Commerce Bank of Oregon Visa Platinum Credit Card has a fixed purchase APR of 14.04%
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval oods if your credit score is above600.
Commerce Bank of Oregon Visa Platinum Credit Card Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • Considers applicants with fair or poor credit.
  • Commerce Bank of Oregon Visa Platinum Credit Card reports to multiple credit bureaus.
  • Charges an annual fee of $25
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
Commerce Bank of Oregon Visa Platinum Credit Card FAQ

Is there a Commerce Bank of Oregon Visa Platinum Credit Card cash back or rewards program?

No, Commerce Bank of Oregon Visa Platinum Credit Card does not offer a rewards program.

What are the Commerce Bank of Oregon Visa Platinum Credit Card benefits?

Commerce Bank of Oregon Visa Platinum Credit Card provides the following benefits:

  • Emergency Support
  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Commerce Bank of Oregon Visa Platinum Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Commerce Bank of Oregon Visa Platinum Credit Card has lower than average purchase APRs.

Commerce Bank of Oregon Visa Platinum Credit Card has a fixed purchase APR of 14.04%. It also has a fixed cash advance APR of 14.04% .

Does Commerce Bank of Oregon Visa Platinum Credit Card have an introductory APR offer on balance transfers?

No, Commerce Bank of Oregon Visa Platinum Credit Card does not come with an introductory APR offer for balance transfers.

Does Commerce Bank of Oregon Visa Platinum Credit Card have an introductory APR offer on new purchases?

Commerce Bank of Oregon Visa Platinum Credit Card does not offer an introductory rate on new purchases.

What are the fees for Commerce Bank of Oregon Visa Platinum Credit Card?

The following fees apply to Commerce Bank of Oregon Visa Platinum Credit Card:

Commerce Bank of Oregon Visa Platinum Credit Card Fees
Fees Amount
Annual Fee $25
Foreign Transaction Fee 1%
Returned Payment Fee up to $25
Late Payment Fee up to $25

Does Commerce Bank of Oregon Visa Platinum Credit Card have a foreign transaction fee?

Commerce Bank of Oregon Visa Platinum Credit Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Does Commerce Bank of Oregon Visa Platinum Credit Card report your account activity to credit bureaus?

Yes, Commerce Bank of Oregon Visa Platinum 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 of Oregon Visa Platinum Credit Card

  • Visit the Commerce Bank of Oregon Visa Platinum 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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 5:00pm
  • Tuesday 8:00am - 5:00pm
  • Wednesday 8:00am - 5:00pm
  • Thursday 8:00am - 5:00pm
  • Friday 8:00am - 5:00pm
  • Saturday Closed

About Commerce Bank of Oregon Visa Platinum Credit Card

Availability

  Available in 1 state
Oregon
Availabile in all of Oregon

Feature Breakdown

Minimum Interest Charge $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee (%) 1%
Foreign Currency Transaction Fee 1%
Annual Fee $25
Returned Payment Fee Up to $25
Late Fee Amount Up to $25
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 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Emergency Support
  • Fraud Liability
Rewards Type No Rewards
Cash Advance APR (Fixed APR) 14.04%
Balance Computation average daily balance (including new purchases)
Purchase APR (Fixed APR) 14.04%
Card Type
  • Balance Transfer
Card Network Visa

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