Apply Today

It's Quick and Easy!

Apply Today >

Garfield Visa® with Rewards

Your choice of two card images:

Earn points towards hundreds of reward options including Merchandise, Gift Cards, Cash Back, Travel and more every time you make a purchase!

Highlights
  • A credit card that earns points towards hundreds of reward options like Merchandise, Gift Cards, and Travel, as well as, exclusive Garfield items.

Annual Percentage Rate
  • 0.00% Introductory APR on Purchases, Balance Transfers, and Convenience Checks for the first 6 months, then a competitive, variable rate of Prime Rate* plus 7.99% to 13.99%.
  • View Important Disclosures >>

Annual Fee
  • $0

Rewards
  • Earn one point** for every dollar in net merchandise purchases
  • Earn three points** for every dollar in interest you accrue on your monthly balances.
  • Plus, an additional 500 bonus points with your first purchase within 90 days.

    • Additional Details:

    • Accumulate up to 50,000** points a year.
    • Take up to 3 years** to earn and redeem before they expire!
  • View exclusive Garfield items here!

Additional Benefits
  • Optional Auto Pay and Overdraft Protection
  • 24/7 Customer Service and Online Account Access
  • Free Convenience Checks
  • Zero Liability coverage***
  • 25-day interest-free period on purchases
  • $300,000 Travel Accident Insurance
  • Auto Rental Insurance
  • Auto Rental Collision Damage Waiver
  • Emergency Card Replacement and Emergency Cash Disbursement

Disclosures:

  • The Prime Rate is the U.S. Prime Rate published in The Wall Street Journal in its column called "Money Rates" on the last business day of the month. The Prime Rate is subject to a minimum of 6.00%.
  • See Commerce Bank Rewards Terms and Conditions for full credit card disclosures or call 800-453-2265, select option 3.
  • Customer must notify Commerce Bank within 60 days of receiving statement with unauthorized account activity.
  • GARFIELD Characters ©PAWS. All Rights Reserved.
  • 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.