
Commerce Bank Toggle Rewards Visa Credit Card
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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.
- 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.
The Good | The Bad |
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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:
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.
Contact
- Headquarters
-
1000 Walnut Street
Kansas City, MO 64106 USA - Visit Site
- Email Support
Other Services by Commerce Bank
Availability
- 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 |
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