Last Updated: 07/28/2025
Commerce Bank Toggle Rewards Visa Credit Card
Unaffiliated
in Credit Cards from Commerce Bank
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
15.24% - 28.24%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
15.24% - 28.24%(Verified 06/21/2024)
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Credit Score Range
650 - 850
Annual Fee
$0
Commerce Bank Toggle Rewards Visa Credit Card Review
This 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.
Key Takeaways
- Signup bonus. Offers a signup bonus of up to $150.
- APRs: Commerce Bank Toggle Rewards Visa Credit Card has a variable regular purchase APR that ranges from 15.24% up to 28.24%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- A 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 up to 2% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, 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 odds if you have a fair credit score or better.
Pros & Cons of Commerce Bank Toggle Rewards Visa Credit Card
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Commerce Bank Toggle Rewards Visa Credit Card FAQ
Does Commerce Bank Toggle Rewards Visa Credit Card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
Does Commerce Bank Toggle Rewards Visa Credit Card have a signup bonus?
Yes, it offers card users a signup bonus worth up to $150 .
Does Commerce Bank Toggle Rewards Visa Credit Card offer an annual loyalty bonus?
This 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
- Cell Phone 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 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 Toggle Rewards Visa Credit Card has a variable purchase APR that ranges from 15.24% up to 28.24%. The card has a variable balance transfer APR that ranges from 15.24% up to 28.24%. It also has a variable cash advance APR of 28.24% .
Note that late payments are subject to an APR of 30.24% 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback 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 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 Toggle Rewards Visa Credit Card?
The customer service number for Commerce Bank Toggle Rewards Visa Credit Card is (816) 234-2000.
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 login page for Commerce Bank Toggle Rewards Visa Credit Card?
You can access the login page of Commerce Bank Toggle Rewards Visa Credit Card 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 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 Toggle Rewards 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 Toggle Rewards Visa Credit Card
- Visit the website of Commerce Bank Toggle Rewards 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.
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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