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The Phi Kappa Phi Rewards Visa® Credit Card

The Phi Kappa Phi Rewards Visa® Credit Card

As a valued member of the Honor Society of Phi Kappa Phi, we are excited to offer you the new Phi Kappa Phi Rewards Visa®.


Phi Kappa Phi Rewards Visa® Credit Card


free Phi Kappa Phi tote bag

For a limited time, the first 100 approved cardholders to make their first purchase* will receive a complimentary Phi Kappa Phi canvas tote bag.
Courtesy of The Honor Society of Phi Kappa Phi.

The Phi Kappa Phi Rewards Visa® features a flexible rewards program with thousands of rewards options and additional cardholder benefits.

    Phi Kappa Phi
  • Unlimited 1% Cash Back1
  • Earn 2% & 3% Cash Back1
    for purchases in select categories2
  • VIP Benefits
  • No Annual Fee

Get the card that rewards you, and show your Phi Kappa Phi pride everywhere you shop, dine, or travel.

Disclosures:

  • 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.
  • 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. A maximum of 2,500 bonus points will be awarded per quarter, per rewards account.
  • Subject to credit approval. Within 90 days of account opening of your new Phi Kappa Phi Rewards Visa, approved applicants must use the card to make a Merchandise Purchase to receive the tote bag. A Merchandise Purchase means the purchase of merchandise or services on the account including Balance Transfers or Cash Advances. By applying for the Phi Kappa Phi Rewards Visa, you are authorizing Commerce Bank to share information with Phi Kappa Phi to fulfill the tote bag. Phi Kappa Phi will be notified of your account opening and when you qualify for the tote bag. Phi Kappa Phi is responsible for fulfillment. Please allow up to 30 business days to receive the tote bag. To qualify for this offer, your account must be opened by June 30, 2016 Offer subject to change without notice.


Annual Percentage Rate

  • 1.99% Introductory1 APR on Purchases and Balance Transfers, for 6 monthly billing cycles after account opening, then a competitive rate of 12.49% - 18.492.
  • View Important Disclosures

Annual Fee

  • $0

Rewards

  • Earn 1% Cash Back3 for every dollar in Net Merchandise Purchases.
  • Earn up to an additional 2,500 bonus points every quarter with 2% & 3% Cash Back for purchases in select categories4.
  • Redeem for 1% Cash Back3 or choose from gift cards, travel, merchandise and more.

Additional Benefits

Disclosures:

  1. We may end your Introductory APR and apply the Penalty APR of 27.49% if you fail to make the required minimum monthly payment within 60 days of the respective payment due date.
  2. 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.
  3. 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.
  4. 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.
  5. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
  6. 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.

Commerce Bank Rewards1


Rewards Made Better!

Use your Commerce Bank Rewards credit card for all of your purchases, and watch your points add up!

EARN REWARDS

1% Cash Back2 for every dollar in Net Merchandise Purchases3.

Earn 2500 bonus points with 2% & 3% cash back

COMMERCE BANK REWARDS OFFERS

Unlimited Cash Back2! There is no limit to the amount of Cash Back2 you can earn.

Convenience – Redeem online anytime, anywhere.

Flexibility – Hundreds of options under one program. Simply pick the reward that meets your needs.

Simplicity – Use your card for purchases, earn rewards and redeem easily online or by phone.

Disclosures:

  • See Commerce Rewards Terms and Conditions for full details or call 800-678-0769.
  • 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.
  • "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 at the sole discretion of Commerce.
  • Offer eligible for Net Merchandise Purchases made from the promotional period start date (or the date on which you sign up, whichever is later) through the end of that quarter’s promotional period. Activation required. See Rewards Terms & Conditions for full program details. 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.

Show your Phi Kappa Phi pride everywhere you shop, dine, or travel and save 20% on Phi Kappa Phi merchandise when you use your Phi Kappa Phi Rewards Visa to purchase official gear online.


Disclosures:

  • The Honor Society of Phi Kappa Phi and Commerce Bank reserve the right to make changes to the VIP cardholder benefits at any time, with or without prior notice. Commerce Bank is not responsible for fulfillment of the VIP benefits, or failure to provide the stated benefits and services.

Introducing toggle®

toggle® is a free and flexible payment feature that lets you Pay Now or Pay Later for any of your credit card purchases, all on one card.

 

Toggle Pay NowPay Now - Choose specific purchase types you wish to Pay Now from a checking account linked to your Commerce Bank credit card.

Toggle Pay LaterPay Later - Use your credit card as you normally would by leaving purchases on your card to Pay Later.

Toggle UnwindUnwind® - Return funds used to Pay Now for a specific purchase to your checking account and place the purchase back on your credit card to Pay Later.

"The best of a debit card and a credit card together"


– Current toggle® user

"Having more control over your money. Credit or debit with options and the benefits of reward points."


– Current toggle® user

Click here to learn more about toggle®, but make sure to come back and apply for the new Phi Kappa Phi Rewards Visa. Once you’re approved, log in to Online Banking to sign up for toggle® and set your preferences.

 

Helpful Tools

Contact Us:

Call:

  • To apply over the phone, please call 1-800-725-0512
  • Existing customers, please call 1-800-645-2103

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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