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toggle® Credit Card


toggle® — a smarter way to earn the most points back with every purchase. From those simple, everyday errands to a happy hour or weekend date night, apply for the toggle® credit card that has a unique way to earn unlimited rewards on each and every purchase.

Earn more without owing more.

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toggle® is a smarter credit card. Designed to give you more rewards and tools to track spending, toggle® does it all.

View toggle® Reviews  icon  

Reviews 4.2/5 overall rating (24 reviews)

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Enjoy 0% intro APR1 for 12 months from account opening on all purchases with the toggle® credit card. Then, 12.24% - 25.24% variable APR*.

Shopper and breakfast bowl; 1% Cash Back on all other purchases

2Applied as a statement credit.


toggle® Security Features:

Get the one card for everything.

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Get the one card for everything.

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  1. We may end your Introductory APR and apply the Penalty APR if you fail to make the required minimum monthly payment within 60 days of the respective payment due date.
  2. 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. Visit for full rewards program details.
  3. 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.
  4. "Purchases" refers to "Net Merchandise Purchases" meaning 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 Transfers or transactions using Convenience Checks or any associated fees. Other exclusions apply.
  5. Customer must notify Commerce Bank within 60 days of receiving statement with unauthorized account activity.