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FOP Visa® Rewards Credit Card

As a valued Fraternal Order of Police member, we are excited to offer you the new FOP Visa® Rewards Credit Card.


FOPShow your support for the FOP

The FOP Visa® Rewards Credit Card features a flexible rewards program with thousands of rewards options and additional cardholder benefits.

  • Commerce Bank Rewards*
  • Unlimited Point Earnings*
  • No Annual Fee
Get the card that rewards you, and support the Fraternal Order of Police every time you make a purchase.

Disclosures:



Annual Percentage Rate

  • 1.99% Introductory1 APR on Purchases and Balance Transfers, for 6 months, then a competitive rate of prime plus 8.99% to prime plus 14.99% APR2.
  • View Important Disclosures

Annual Fee

  • $0

Rewards3

  • Earn 1 point for every dollar in Net Merchandise Purchases.4
  • Earn 3 points for every dollar in interest you accrue on your monthly balance.
  • Earn bonus points at thousands of participating retailers when you use your FOP credit card to shop in-store or online through the commercebank.com/rewards website.
  • Points can be redeemed for merchandise, gift cards, travel, cash back and more! A cash back redemption is applied to your account as a statement credit.
  • UNLIMITED point earning. There is no cap on the points you can earn each year.

Additional Benefits

  • Online E-Statements
  • Optional Auto Pay
  • 24/7 Customer Service (except holidays) and Online Account Access
  • Zero Liability Coverage5
  • $100,000 Travel Accident Insurance
  • Emergency Card Replacement and Emergency Cash Disbursement

Disclosures:

  • We may end your Introductory APR and apply the Penalty APR if you fail to make the required minimum monthly payment within 60 days of the respective payment due date.
  • Your standard APR will be determined based on your creditworthiness at Account opening and will be disclosed in your Account Opening Disclosure with your new credit card approximately 7 - 10 business days after Account approval. This APR will vary with the market based on the Prime Rate. The Prime Rate used to determine the APR on your Account is the U.S. Prime Rate published in The Wall Street Journal in its column called "Money Rates" on the last business day of each month.
  • See Commerce Rewards Terms and Conditions for full details or call 800-678-0769.
  • "Net Merchandise Purchases" means purchases of merchandise or services on the Account, less any returned merchandise credits or service credits posted to the Account. Net Merchandise Purchases does not include Cash Advances, Balance or associated fees, money transfers or other fees, gaming chips, or fees or premiums for coverage or insurance to protect the balances of an Account holder's Account. Questions concerning eligible transactions and what constitutes Net Merchandise Purchases will be determined in the sole discretion of Commerce.
  • Customer must notify Commerce Bank within 60 days of receiving statement with unauthorized account activity.
  • The Statement credit will reduce your balance, but you are still required to make at least your minimum payment.

Commerce Bank Rewards*


The best way to earn points - and more!

In this rewards program you earn points based on Net Merchandise Purchases** and finance charges accrued, if you choose to revolve a balance. What makes the Commerce Bank Rewards program unique is the flexibility. You can redeem your points for travel, gift certificates, merchandise and more!

  • Convenience - Redeem points online anytime, anywhere.
  • Flexbility - Hundreds of options under one program. Simply pick the reward that meets your needs.
  • Simplicity - Use your card for purchases, earn points and redeem easily online or by phone.

Let the credit card purchases you make every day earn you that next great getaway vacation or a gift card to your favorite restaurant.

  • UNLIMITED point earning is here! There is no cap on the points you can earn each year.
  • Earn 1 point for every dollar in Net Merchandise Purchases**.
  • Earn 3 points for every dollar in interest you accrue on your monthly balances.
  • Earn Up to 20X Bonus Points per $1 you spend on Qualifying Purchases***
    Shop in-store using your Commerce Bank credit card at a participating retailer or online through the Commerce Bank Rewards site, and you'll earn points! Best of all, this is in addition to one (1) point for every dollar in Net Merchandise Purchases**.
  • Points can be redeemed for merchandise, gift cards, cash back, travel, and more! A cash back redemption is applied to your account as a statement credit.

Disclosures:

  • See Commerce Rewards Terms and Conditions for full details or call 800-678-0769.
  • "Net Merchandise Purchases" means purchases of merchandise or services on the Account, less any returned merchandise credits or service credits posted to the Account. Net Merchandise Purchases does not include Cash Advances, Balance or associated fees, money transfers or other fees, gaming chips, or fees or premiums for coverage or insurance to protect the balances of an Account holder's Account. Questions concerning eligible transactions and what constitutes Net Merchandise Purchases will be determined in the sole discretion of Commerce.
  • Qualifying Purchases means any signature-based purchase made at retail locations, or purchases made by phone or online through the Program Website. Qualifying Purchases based on offers from Participating Retailers available at the time of the transaction must be made in accordance with the offer details that appear on the Program Website. You will not earn additional Points if You go directly to the online Participating Retailer's website.
  • The Statement credit will reduce your balance, but you are still required to make at least your minimum payment.

Helpful Tools

Contact Us:

Call: Call us at 800-453-2265
Click: Email Us†
Come by: Find a branch or ATM
Log in: Access your accounts

Disclosures:

  • To send an email that contains confidential information, please visit the Secure Message Center where there are additional instructions about whether to use Secure Email or Online Banking messaging.
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