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Commerce Bank Visa Signature® Credit Card

Visa Signature Credit Card
Visit the nearest Commerce Bank Branch to apply.


  • A credit card that offers a level of personal service and privileges, and a flexible rewards program.
  • Now accepted at more international locations!
  • Enhanced credit card security while traveling internationally.
  • Learn more about chip-enabled credit cards.

Annual Percentage Rate

  • 0% Introductory1 APR on Purchases and Balance Transfers, for 9 monthly billing cycles after account opening, then a competitive rate of 10.49% - 20.49% APR2.
  • View Important Disclosures

Annual Fee

  • $0


  • Earn 1% Cash Back4 for every dollar in Net Merchandise Purchases.
  • Earn 3% Cash Back4 for every dollar in interest you accrue on your monthly balances.
  • Earn 2% & 3% Cash Back4 for purchases in select categories.5
  • Redeem for 1% Cash Back4 or choose from gift cards, travel, merchandise and more.
  • UNLIMITED point earning. No cap exists on the points you can earn each year.
  • Points expire after 5 years.

Special Privileges

  • No Pre-Set Spending Limit6 provides you with remarkable purchasing power!
  • Visa Signature Concierge7 – 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.
  • Visit to learn more.

Additional Benefits

  • View your FICO® Score for free on your monthly credit card statement8
  • 24/7 Customer Service (except holidays) and Online Account Access
  • Zero Liability coverage9
  • $250,000 Travel Accident Insurance
  • Emergency Card Replacement and Emergency Cash Disbursement
  • Access to toggle® - a free and flexible payment feature that lets you manage your spending like a debit card, with the rewards of a credit card


  1. 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.
  2. 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.
  3. See Signature Rewards Terms and Conditions for full details or call 877-787-3171.
  4. A Cash Back redemption is applied as a statement credit. The statement credit will reduce your balance, but you are still required to make at least your minimum payment. Values for non-cash back redemption items such as merchandise, gift cards, and travel may vary.
  5. Merchants self-select the category in which they would like their transaction items to be listed. Please note some merchants may be owned by other companies, therefore transactions may not be counted in the expected category.
  6. No Pre-Set Spending Limit does not mean unlimited spending; rather each charge that causes your Account to exceed its Revolving Credit Line will be evaluated by us based on several factors. Any balance that exceeds your Revolving Credit Line will be added to your minimum payment and will be due and payable when you receive your periodic statement.
  7. Certain terms, conditions, limitations, and exclusions apply. All costs for goods or services purchased are the responsibility of the cardholder.
  8. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
  9. Customer must notify Commerce Bank within 60 days of receiving the first statement with unauthorized activity. For specific restrictions, limitations and other details, please consult Commerce Bank.
  • 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.