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Commerce Bank Business Rewards Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
17.65% (Variable)
Interest Rate: Purchases
17.65% (Variable)
Balance Transfer
Balance Transfer
1 point
1 point
Signup Bonus
Signup Bonus

Informr score
The Commerce Bank Business Rewards Card currently has an Informr score of 4 out of 10. This score is based on our evaluation of 2 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Commerce Bank Business Rewards Card is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...

Fit Small Business
Fit Small Business

The Commerce Bank Business Rewards Card is an excellent card for those businesses that make large purchases and prefer to have a fixed-rate regular APR that is below the average. This credit card is also best paired with your existing Commerce Bank savings and checking account, thanks to its Special...

- Tricia Tetreault, Fit Small Business

With a higher-than-average interest rate, minimal benefits and an unexceptional rewards program, the Commerce Bank Business Rewards Visa card ranks low on our list of business cards.

- Kelly Dilworth,


Interest Rates
Regular APR Interest Rate 17.65% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate

Balance Transfers Not Allowed

Cash Advance Interest Rate 19.9% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee
Cash Advance Fee 3%

Minimum of $15

Foreign Transaction Fee
Over Limit Fee $29.00
Late Payment Fee $29.00


Sign up bonus No
All Purchases 1 point per $1 spent
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details
  • Take up to four years to redeem your points before they expire
  • Enroll in Visa SavingsEdge for automatic discounts (up to 15%) on select business purchases
  • Earn 2x and 3x points in select merchant categories when you activate Quarterly Bonus Points
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees -
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments No
Virtual Cards No
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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