Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
21.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
21.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
300 - 550
Annual Fee
$49
Commerce Bank Secured Visa Credit Card Review
This is a secured credit card issued by Commerce Bank. If you're wondering whether Commerce Bank Secured Visa Credit Card is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 21.99%
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 2% every time you make a transaction outside the U.S.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Commerce Bank Secured Visa Credit Card
| The Good | The Bad |
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Commerce Bank Secured Visa Credit Card FAQ
Does Commerce Bank Secured Visa Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Auto Rental Collision Damage Waiver
- Zero fraud liability
- Cell Phone Protection
- Reports to major credit bureaus
What are the relevant APRs for Commerce Bank Secured Visa Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Commerce Bank Secured Visa Credit Card has a variable purchase APR of 21.99%. The card has a variable balance transfer APR of 21.99% . It also has a variable cash advance APR of 28.99% .
Does Commerce Bank Secured 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 Secured Visa Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Commerce Bank Secured Visa Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $49 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $5 - $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $49.
There is a late fee of up to $15 . Does Commerce Bank Secured Visa Credit Card have a foreign transaction fee?
Commerce Bank Secured Visa Credit Card charges a foreign transaction fee of up to 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Commerce Bank Secured Visa Credit Card?
The customer service number for Commerce Bank Secured Visa Credit Card is (816) 234-2000.
What is the support contact email for Commerce Bank Secured Visa Credit Card?
The support contact email for Commerce Bank Secured Visa Credit Card is mymoney@commercebank.com.
How do people rate the customer service and user experience of Commerce Bank Secured Visa Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Commerce Bank Secured Visa Credit Card report your account activity to credit bureaus?
Yes, Commerce Bank Secured Visa Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does Commerce Bank perform a hard credit pull?
Yes, Commerce Bank Secured Visa Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Commerce Bank Secured Visa Credit Card
- Visit the website of Commerce Bank Secured Visa Credit Card.
- 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.
Hours of Operation
Sunday
Closed
Monday
8:00AM - 8:00PM
Tuesday
8:00AM - 8:00PM
Wednesday
8:00AM - 8:00PM
Thursday
8:00AM - 8:00PM
Friday
8:00AM - 8:00PM
Saturday
8:00AM - 4:00PM
Other Services by Commerce Bank
Other Credit Cards from Commerce Bank
Purchase APR
15.24% - 28.24%
Disclaimer popup with additional information
Balance Transfer APR
15.24% - 28.24%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
15.24% - 28.24%
Disclaimer popup with additional information
Balance Transfer APR
15.24% - 25.24%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
18.24% - 28.24%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 28.24%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
15.24% - 28.24%
Disclaimer popup with additional information
Balance Transfer APR
15.24% - 28.24%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
15.24% - 28.24%
Disclaimer popup with additional information
Balance Transfer APR
15.24% - 28.24%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
15.24%
Disclaimer popup with additional information
Balance Transfer APR
15.24%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$95
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Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
-100
-1000+100
No one recommends
Everyone recommends
Commerce Bank Secured Visa Credit Card Community Reviews
Would you recommend Commerce Bank Secured Visa Credit Card to your friends?
SF
Steve F.
Jun 17, 2023
May or may not recommend
I wanted to hear my recent transactions but commerce said there was a 20 min. hold time. I'll take my business elsewhere.
Showing 1 of 1 reviews
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