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The BAMSL Visa Signature® Rewards Card

As a valued BAMSL Member, we are excited to offer you the BAMSL Visa Signature® Rewards Card


Carry the Card of Distinction!

Members of the Bar Association of Metropolitan St. Louis are invited to apply for the BAMSL Visa Signature® Rewards Card. The BAMSL Visa Signature® Rewards Card features a flexible rewards program with thousands of rewards options.

  • Unlimited Point Earnings!
  • Free Commerce Bank Rewards!
  • No Annual Fee



Highlights

  • The BAMSL Visa Signature Rewards card features a flexible rewards program with thousands of reward options.

Annual Percentage Rate

  • 1.99% Introductory1 APR on Purchases and Balance Transfers, for 6 monthly billing cycles after account opening, then a competitive variable rate of 13.24% APR2.
  • View Important Disclosures

Annual Fee

  • $0

Rewards3

  • Earn one point for every dollar in Net Merchandise Purchases.4
  • Earn five points for every dollar in interest you accrue on your monthly balance.
  • Earn bonus points at thousands of participating retailers when you use your BAMSL 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. No cap exists on the points you can earn each year.
  • Points expire after five years.

Special Privileges

  • Visa Signature Concierge5 – Visa Signature's 24 x 7 complimentary concierge service can handle life's details, so you don't have to. Services include restaurant recommendations, reservations, and vacation-planning assistance.
  • See Visa Signature Benefits tab for a full list

Additional Benefits

  • 24/7 Customer Service (except holidays) and Online Account Access
  • Zero Liability Coverage6
  • $300,000 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.
  • 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 Signature Rewards Terms and Conditions for full details or call 877-787-3171.
  • "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.
  • Certain terms, conditions, limitations, and exclusions apply. All costs for goods or services purchased are the responsibility of the cardholder.
  • 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 Signature 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 5 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 Signature Rewards Terms and Conditions for full details or call 877-787-3171.
  • "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.

Shopping & Security

Visa Signature Concierge*

Visa Signature's 24 x 7 complimentary concierge service can handle life's details, so you don't have to. Services include restaurant recommendations, reservations, and vacation-planning assistance.

Visa Signature Perks

Receive exclusive perks including special offers on travel, fine wine & food, sports & shopping, and entertainment

Purchase Security

When you pay with your Visa Signature card, your eligible purchases are replaced, repaired or reimbursed for the first 90 days from the date of purchase in the event of theft, damage due to fire, vandalism, accidentally discharged water, or certain weather conditions.

Warranty Manager Service

Protect and manage your purchases. Through one convenient service, you can register products and extend manufacturers' repair warranties.

Emergency Card Replacement and Emergency Cash Disbursement

Call on Visa when you need an emergency cash advance or a card replacement delivered to you - 24 hours a day.

Lost/stolen Card Reporting

Enjoy peace of mind knowing that if your Visa Signature card is ever lost or stolen, assistance is only a phone call away.

Cardholder Inquiry Services

Visa Customer Care Services (VCCS) provides 24-hour emergency services to Visa cardholders around the world.

Zero Liability Coverage**

You're protected from unauthorized use of your Visa Signature card or unauthorized access to account information.

Travel

Auto Rental Collision Damage Waiver

Receive auto coverage for damage due to collision or theft.

Lost Luggage Reimbursement

You're eligible to receive reimbursement for your losses when you pay for tickets with your covered Visa Signature card.

$250,000 Travel Accident Insurance

Automatically receive accident insurance coverage for yourself and your family when you pay for travel tickets with your covered Visa Signature card.

Roadside Dispatch

Rely on 24-hour, toll-free referral dispatch for emergency roadside assistance services like towing, fuel delivery, and more.

Travel & Emergency Assistance Services

Travel with confidence and count on Visa for a wide range of emergency services, 24 hours a day.

Disclosures:

  • Certain terms, conditions, limitations, and exclusions apply. All costs for goods or services purchased are the responsibility of the cardholder.
  • Customer must notify Commerce Bank within 60 days of receiving statement with unauthorized account activity.

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
Visa Concierge: 800-953-7392

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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