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Business Rewards Card

Turn your expenses into unlimited rewards.

Apply now link goes to the business card select smart form

Business Rewards Card

Turn your expenses into unlimited rewards.

Apply now link goes to the business card select smart form

Increase your spending power with valuable card benefits.

Every business expense earns you points with one of the most competitive business rewards cards available. From Cash Back1 to airline travel rewards, you’ll reap greater benefits from your spending.

Earn Rewards When You Spend

Earn Rewards When You Spend.footnote 2

Flexible Cash Back Options

Choose how to make the most of your business credit card rewards. Redeem points as Cash Backfootnote 1 or select gift cards from leading retailers like Amazon®, Starbucks® and Walmart®.footnote 3 Additional cards for employees help accumulate rewards faster.

Premium Travel Benefits

Use your rewards to save on business travel. Book flights, hotels, and rental cars using your points. Want to access premium travel rewards faster? Combine points across multiple Commerce Bank credit cards, including your personal credit cards.

Our cards are monitored by several fraud mitigation tools that seek out suspicious transactions, cash advances, card-not-present activity and other questionable transactions. The Visa® Zero Liability Policy also covers you for unauthorized spending, providing you peace of mind as you streamline your payments.footnote 4

Frequently Asked Questions

Opt into your Visa® Business card savings by visiting the Visa® Savings Edge link opens in a new window website. Visa® Savings Edge is a loyalty and Merchant discount program offered by Visa® U.S.A. Inc.
Generally, rewards are categorized as rebates rather than income and aren’t taxable. Of course, it’s always a good idea to check with your tax advisor for specific guidance. Commerce Bank does not provide tax advice or legal advice to customers. Consult a tax specialist regarding tax implications related to any product and specific financial situations.
You can choose from several redemption options: convert to Cash Backfootnote 1, book business travel including flights and hotels, choose gift cards from major retailers, redeem for fuel discounts at participating locations in the United States, or select merchandise rewards.footnote 3 Combine your points across Commerce Bank cards for larger rewards.
Your business credit card rewards points remain valid for four years from the date earned.footnote 5 That gives you the flexibility to accumulate points for larger redemptions or save them for future business needs.
Of course! Each quarter, we feature selected categories where you'll earn 2x or 3x points on purchases. These bonus categories often include business essentials like fuel, utilities, and office supplies, helping you maximize rewards on regular expenses.

Connect with us.

When you fill out this form, one of our team members will be in contact soon.

If you would like to speak with a Commerce Bank small business team member directly, please call 1-866-365-9346 or visit our Contact Us link opens our contact us page library of solution and service team phone numbers.

Our team is dedicated to helping our customers get the solutions they need. No matter what you ask of your financial partner, we’re up to the challenge.

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Disclosures:

View Important Terms of the Business Rewards Card pdf open in a new window[PDF] footnote

  1. A Cash Back redemption is applied as a statement credit or electronic deposit. The statement credit redemption will reduce your balance, but you are still required to make at least your minimum payment. An electronic deposit redemption shall be issued in U.S. currency through an electronic deposit to a checking or savings account of your choice. Values for non-cash back redemption items such as merchandise, gift cards and travel may vary. See Commerce Bank Business Rewards pdf open in a new window[PDF] footnote  for full details.
  2. To activate Quarterly Bonus Points and learn more about the promotion, visit commercebank.com/rewards opens in a new window and click “Earn Points”. Please note that merchants self-select the category in which transactions will be listed and some merchants may be owned by other companies, therefore transactions may not be counted in the category you might expect. Purchases made using Near Field Communication (NFC), virtual wallets, or similar technology may not be eligible for higher earning categories.
  3. The complete variety of gift card/merchandise Rewards is subject to change and any merchant's participation may be discontinued at any time without notice.
  4. Cardholders must notify Commerce Bank immediately of any unauthorized activity and must use reasonable care in protecting their card. Visa’s Zero Liability Policy does not apply to certain commercial card transactions. For more details, contact Commerce Bank.
  5. All Points earned by you will accrue to and be available for redemption by you for four (4) years from the calendar quarter in which those Points are posted to your Rewards Account.

Businesses must be within Commerce Bank’s retail lending area (MO, KS, IL, OK, CO) to apply.

To view or print a PDF file, Adobe® Reader® 9.5 or above is recommended. Download the latest version opens in a new window.

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