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toggle® Credit Card Reviews

toggle credit card contactless pay
4.4/5 overall rating
(106 reviews)
A smarter way to earn rewards and track spending with flexible, easy-to-use payment tools such as Pay Now®, Pay Later® and Unwind®.
toggle — the only card you need.

1 Cash Back applied as a statement credit.
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I love this product!!

The Toggle features are absolutely the best! I have the freedom to choose what I want to pay and when. The FlexPay option is still not working but once it does, this will add another layer of flexibility for my family's specific needs! Absolutly incredible! Thank you Commerce for this truly unique product!
Jennifer M
Overland Park, KS
Cardholder since 2022
Janet W
Aurora, CO
Cardholder since 2018


un successful in increasing my credit level
Anthony T
Kansas City, MO
Cardholder since 2020

your rewards suck

your rewards suck
James B
North Canton, OH
Cardholder since 2018
Eric D
Spring Park, MN
Cardholder since 2018

Not much to review

It’s confusing to make an immediate payment. It always defaults to the due date. I once came close to earning enough for a gift card but somehow redeemed my points at a gas pump for like $1 off the price. That was a bummer
Natalie B
Chicago, IL
Cardholder since 2019


I've never had trouble using credit card
Carolyn W
Jefferson City, MO
Cardholder since 2018
I really appreciate how tou protect from scams.
Yvonne K
Fort Madison, IA
Cardholder since 2019


Lives up to my expectations
Micki R
Austin, TX
Cardholder since 2019
Andy F
Great Bend, KS
Cardholder since 2019


  1. 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 of non-cash redemption items may vary. Offer cannot be combined with other promotional offers. Visit for full rewards program details.

Use of Commerce Bank Credit Cardholder Ratings & Reviews: The credit-card ratings and card-specific reviews displayed on 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, comments and reviews were filtered for profanity; spelling errors are subject to correction. These surveys were sent in August and September 2019 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.