4.5/5 overall rating
(2295 reviews)
11/06/2024
Loving it
It's my go to card
Steven D
Shorewood, IL
Cardholder since 2020
10/30/2024
Gregory
Vale, SD
Cardholder since 2021
10/30/2024
Does everything I want a credit card to do
Jeffrey H
Independence, MO
Cardholder since 2011
10/30/2024
Kenneth
Never have a problem.
Kenneth G
Lavaca, AR
Cardholder since 2018
10/30/2024
Average at best
Features do not distinguish your card much more than others.
Walter
Shawnee, KS
Cardholder since 2005
10/30/2024
Rodolfo A
Dallas, TX
Cardholder since 2022
10/30/2024
Rates are high
Helen M
Old Saybrook, CT
Cardholder since 2004
10/30/2024
Your customer service sucks
I will start with the change to the card. I received a new card due to security concerns. The card is marked Credit/Debit. I tried to use it for debit as I had for many years. Declined. Went by branch to get cash from checking at the ATM. Nope. Go inside to find out what is going on and I was told that it was no longer credit/debit. I received no information that was the case. Told them I needed cash from by checking. They ran it as a cash advance on the credit card. I expressed my displeasure at this at the time. Then later I find out I was charged a service fee for that advance. No one told me there was a service fee. I later used the card for for purchases. Four purchases, three times the merchant asked if it was credit or debit. I specified credit. The fourth time, the merchant did not ask. And it ran as debit. Called customer service and they said that should not have happened. During that call, I mentioned being unable to get cash from the ATM and the rep supposedly set me up to be able to get cash from the ATM. No merchant purchases. I tried to use it for ATM and it was rejected. I give up. In relation to this, I saw on my statement that my checking was now being charged a $10 service fee. I called and was told that the account type was no longer supported. It would have been professional to have been informed of that. I don't object to the fee. I object to not being informed. I have been a client of this bank for over 50 years. On top of this is the way Commerce treated my elderly neighbor. They closed his account and did not tell him. He found out by going to store and having his debit card declined. My neighbor's wife was a long time employee of Commerce, and this is the way you treat them? I have moved most of my banking to BOA. The only reason I still have this account is the two lock boxes I have there.
Lynn
Hazelwood, MO
Cardholder since 1980
10/30/2024
Debra
Normal, IL
Cardholder since 2023
10/30/2024
Rewards
I redeemed 13,000 points for a $100 gift card to Home Depot. I waited a few months so that I could do the same and now it's 14,600 points for the same thing! Talk about inflation!
Gary V
La Plata, MO
Cardholder since 1996
10/30/2024
Normal card
Normal people
Pamela
Milford, NE
Cardholder since 2022
Disclosures:
Use of Commerce Bank Credit Cardholder Ratings & Reviews: The credit-card ratings and card-specific reviews displayed on commercebank.com were submitted by verified Commerce Bancshares, Inc. (Commerce Bank) credit-card holding customers who voluntarily completed a customer satisfaction survey. The numerical/visual star ratings and corresponding feedback should not be considered or interpreted as the opinions and viewpoints of all Commerce Bank clients and are utilized for information-only and product-enhancement purposes. Ratings and reviews are specific to the credit-card product type displayed. Commerce Bank does not endorse or guarantee review submissions and assumes no liability for actions or decisions based solely on, or a combination of, utilizing these customer ratings and reviews as a definitive point of reference when deciding to apply for a Commerce Bank credit card. Product offerings, benefits and promotional offers may change over time and some submissions might not reflect the most-current offerings.
Prior to publishing all ratings, reviews and recommendations online at commercebank.com, comments and reviews were filtered for profanity; spelling errors are subject to correction. These surveys were sent in October and November 2024 using a 10-point scale, which has been converted to a 5-star scale, where 10-9 points = 5 stars; 8-7 points = 4 stars; 6-5 points = 3 stars; 4-3 points = 2 stars and 1-2 points = 1 star. Overall visual-star ratings adjacent to each credit card are an aggregated average of all ratings received.
