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Commerce Card® Credit Card FAQs

If there is a sticker on the front of your card, we need verification that you have received your card. For your convenience, you may confirm receipt of your new card securely online. Make sure you have your card number available. After your card is activated, please destroy your old card.

If there is no sticker on the front of your new card, there is no need to activate the card. You may begin using your new card right away for all of your purchasing needs.
This is for security purposes. We need you to verify that you have received your card, and your social security number helps validate your identity. We will only ask for the last four digits of your social security number.
Your Personal Identification Number (PIN) is a number assigned to you and your card for security purposes.

You may select your PIN when you activate your card. If you have already activated your card but did not select your PIN, you may call Customer Service at 800-645-2103. Follow the prompts to select or change your PIN.

If your card number has not changed, you may use your current PIN with your new card.
Please call customer service at 800-645-2103 to see if a new PIN is needed.
Yes, your current card will continue to work until the expiration date passes. However, to avoid misplacing your new card or having unauthorized use of the old card, we advise you to destroy your old card and begin using the new card.
You should report your card missing or misused as soon as you become aware of the situation. You can contact our Security Department at 800-645-2103.

We do require you to contact us within 60 days of the date you received the statement showing the unauthorized charges, to avoid liability for those charges.
Yes. You can see your balance, recent transactions and make payments at


† 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.