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Business Credit Cards

Cash flow. Control. Convenience.

Streamline your small business payments through a card program with big business advantages.

As a small business owner, you have plenty on your plate. Consequently, every dollar you save is a dollar that falls to your bottom line. That’s where Commerce Bank can help. Whether you are looking for a rewards card or simply an alternative to petty cash funds, we likely have a solution for you.

Let Commerce help you reduce the time you spend managing your budget so you can focus more on your customers.

Credit Card Showcase

Business Rewards Card

Commerce Bank Business Reward Credit Card

Earning rewards while managing your finances has never been easier. From 1% cash back to airline travel to gift cards, this card offers some of the most competitive redemption options in the industry. We even offer a bonus point program that allows you to earn 2x and 3x points in select merchant categories when you activate Quarterly Bonus Points.1

Want the option of revolving payments or paying in full each month? Done.

Would you like to set individual credit limits per employee or request additional cards at no cost? Sure thing – this card is all about having the flexibility to fit your needs.

With no annual fees and individual credit lines for employees, this card is perfect for your day-to-day purchasing needs and can help elevate your business to the next level.

Apply Now for the business rewards card

Business Platinum Card

Commerce Bank Business Platinum Credit Card

Looking for a business credit card with a low APR and an extended grace period? We can help. Our Business Platinum Card is designed to give you the ability to adapt to your ever-changing needs as a business owner.

Apply Now for the business platinum card


Peace of mind

Your accounts will be monitored with several fraud prevention tools that seek out suspicious transactions, cash advances, card-not-present activity and other questionable transactions.2 The Visa Liability Waiver also covers you for unauthorized spending.3

We're in your corner

You’ve got questions, we’ve got solutions. Because we insource what others outsource, we are able to provide you the exceptional support you deserve. Our dedicated specialists welcome your inquiries. Let’s chat.


Welcome to Commerce Bank Business Rewards! As you will see, Commerce Bank offers some of the most competitive redemption options in the industry, including airline miles, cash back and a diverse selection of merchandise, gift cards and exciting experiences.

Just go to and you will find all you need to know about what is available. You can browse our rewards catalog, check your rewards account status and redeem your points.

You have bills to pay, right? Business credit cards allow you to more easily manage your cash flow by separating your business expenses from your personal expenses while earning rewards.
Any business within Commerce Bank’s retail lending area (MO, KS, IL, OK, CO) can apply.
**Any business within Commerce Bank’s retail lending area (MO, KS, IL, OK, CO) can apply.
In most cases, you will need to simply fill out and sign an application. In some circumstances (based on the credit limit you are requesting and how your business operates), additional documentation may be requested.
Yes, there is no limit to the number of cards you can request.
Simply contact our customer support team 800.892.7104, option 2, option 0 to speak to one of our dedicated representatives who can provide detailed account information.  You may also access your account through CentreSuite to make payments, view transactions and online bill pay.
Contact our customer support team at 800.892.7104, option 2, option 0.
The Visa Waiver of Liability offers peace of mind and ensures you are not liable for unauthorized purchases or withdrawals from your account.

Questions? We’re up for the challenge.

Contact us


  1. To activate Quarterly Bonus Points and learn more about the promotion, visit and click “Earn Points”.

  2. Visa’s Zero Liability policy covers U.S. issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa or certain Commercial Card transactions. Customer must notify issuer promptly of any unauthorized use.

  3. Customers must notify issuer promptly of employee termination and any unauthorized use. Certain exclusions may apply.