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  Commerce Bank Toggle Rewards Visa Credit Card
Commerce Bank Toggle Rewards Visa Credit Card Unaffiliated

Commerce Bank Toggle Rewards Visa Credit Card

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Highlights
Purchase APR 12.24% - 25.24%
Balance Transfer APR 12.24% - 25%
Credit Score Range 650 - 850
Annual Fee $0

Commerce Bank Toggle Rewards Visa Credit Card Review

This is a credit card issued by Commerce Bank. If you're wondering whether Commerce Bank Toggle 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
  • Signup bonus. Offers a signup bonus of $150 if you spend $1000 within 3 months.
  • Competitive APRs. Commerce Bank Toggle 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 card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • 5% Balance transfer fee. Commerce Bank Toggle 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.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as 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 Toggle Rewards Visa Credit Card
The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Commerce Bank Toggle Rewards Visa Credit Card reports to multiple credit bureaus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 2%.
  • You don't earn rewards on every purchase.
  • Charges a 5% balance transfer fee.
Commerce Bank Toggle Rewards Visa Credit Card FAQ

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

No, it does not offer a rewards program. This card features rewards for purchases in the following categories:

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

It provides the following benefits:

  • Reports to major credit bureaus

What are the relevant APRs for Commerce Bank Toggle 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. This card has lower than average regular APRs.

Commerce Bank Toggle Rewards Visa Credit Card 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 Toggle 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 Toggle Rewards 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 Toggle Rewards Visa Credit Card?

The following fees apply:

Commerce Bank Toggle Rewards Visa Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 2%
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 card.

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

Commerce Bank Toggle Rewards Visa Credit Card charges a foreign transaction fee of 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 support contact email for Commerce Bank Toggle Rewards Visa Credit Card?

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

What is the Commerce Bank Toggle Rewards Visa Credit Card login page?

You can access the Commerce Bank Toggle Rewards Visa Credit Card login page here.

How do people rate the customer service and user experience of Commerce Bank Toggle Rewards Visa Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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

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

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 Toggle Rewards Visa Credit Card

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

Feature Breakdown

No Annual 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
Foreign Currency Transaction Fee 2%
Minimum Interest Charge $2.50
Late Fee Amount Up to $40
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
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
  • Extended Warranty Protection
  • Emergency Support
  • Fraud Liability
  • Cellular Telephone Protection
  • Travel Assistance
  • Concierge
Rewards Categories
  • Every Purchase
Signup Bonus $150
Cash Advance APR 25.24%
Balance Computation Daily Balance” (including new Purchases and Fees).
Penalty APR 27.24%
Purchase APR 12.24% - 25.24%
Balance Transfer APR 12.24% - 25%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 5%
Card Type
  • Rewards
  • Balance Transfer
  • Cashback
Card Network Visa

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