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.

• 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.

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.

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

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.

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 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.