Commerce Bank of Washington Visa Platinum Credit Card Review

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

• Competitive APRs. Commerce Bank of Washington 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.

The Good	The Bad
Lower than average purchase APRs. Considers applicants with fair or poor credit. Commerce Bank of Washington 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.

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

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

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

Commerce Bank of Washington 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 Washington 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 Washington Visa Platinum Credit Card has lower than average purchase APRs.

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

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

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

Commerce Bank of Washington Visa Platinum Credit Card Fees

Fees	Amount
Annual Fee	$25
Foreign Transaction Fee	1%
Returned Payment Fee	$35
Late Payment Fee	$25

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

Yes, Commerce Bank of Washington 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 Washington Visa Platinum Credit Card

• Visit the Commerce Bank of Washington 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.