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  Commerce Bank Toggle Rewards Visa Credit Card

Commerce Bank Toggle Rewards Visa Credit Card

in Personal Credit Cards from Commerce Bank

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Commerce Bank Toggle Rewards Visa Credit Card

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in Personal Credit Cards from Commerce Bank

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

Commerce Bank Toggle Rewards Visa Credit Card Review

Commerce Bank Toggle Rewards Visa Credit Card is a cashback 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 is everything you need to know 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 cashback card. It gives you cashback on your purchases, 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 rental insurance, access to a concierge, emergency support, extended warranty protection on purchases, travel assistance, and fraud protection.
  • Fair or better credit required. You will have good approval oods if your credit score is above650.
Commerce Bank Toggle Rewards Visa Credit Card Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Extended warranty on purchases.
  • Travel assistance insurance
  • Cardholders can earn rewards on purchases everywhere Commerce Bank Toggle Rewards Visa Credit Card is accepted.
  • Commerce Bank Toggle Rewards Visa Credit Card reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 2%.
  • Charges a 5% balance transfer fee.
Commerce Bank Toggle Rewards Visa Credit Card FAQ

Is there a Commerce Bank Toggle Rewards Visa Credit Card cash back or rewards program?

Commerce Bank Toggle Rewards Visa Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Commerce Bank Toggle Rewards Visa Credit Card you receive 1.5% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $15 back in cash.

Commerce Bank Toggle Rewards Visa Credit Card Rewards
Minimum rewards rate 1.5x
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) Up to $150
Signup Bonus Spend Requirement $1000
Signup Bonus Spend Period (months) 3 months

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

Yes, Commerce Bank Toggle Rewards Visa Credit Card offers card users a signup bonus worth up to $150 after spending $1000.

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

Commerce Bank Toggle Rewards Visa Credit Card doesn't offer a cash loyalty bonus.

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

Commerce Bank Toggle Rewards Visa Credit Card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Cellular Telephone Protection
  • Travel Assistance
  • 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Commerce Bank Toggle Rewards Visa Credit Card has lower than average purchase 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 introductory APR offer on balance transfers?

No, Commerce Bank Toggle Rewards Visa Credit Card does not come with an introductory APR offer for balance transfers.

Does Commerce Bank Toggle Rewards Visa Credit Card have an introductory APR offer on new purchases?

Commerce Bank Toggle Rewards Visa Credit Card does not offer an introductory rate on new purchases.

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

The following fees apply to Commerce Bank Toggle Rewards Visa Credit Card:

Commerce Bank Toggle Rewards Visa Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 2%
Late Payment Fee up to $40

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 a foreign transaction fee.

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:

  • 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 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.
  • 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

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
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
  • Concierge
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Assistance
Rewards Rates
  • Every Purchase
Signup Bonus $150
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%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 5%
Card Type
  • Rewards
  • Balance Transfer
  • Cashback
Card Network Visa

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