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toggle^® Credit Card Reviews

4.2/5 overall rating (24 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.

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¹Cash Back is applied as a statement credit.

Featured Review

Don C

Very pleased with their professionalism and customer care treatment.

San Antonio, Texas

Carolyn C

I am very satisfied with my credit card. Just not very happy with customer service. They don't answer emails for at least a week!

Omaha, Arizona

Jung C

I have experienced no problem on online banking with Commerce Bank credit card account.

Hoffman Estates, Illinois

Arunkumar P

No comment.

Richmond, Texas

Diana G

I got a $150 credit on my account as promised.

San Antonio, Texas

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Norman L

Introductory offer and ease of using the mobile app.

Paxton, Illinois

Eileen L

I love the rewards.

Chicago, Illinois

Gary W

Everything works well.

Camden, Arizona

April C

Best card ever!!

Heber City, Utah

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Cassandra M

It works and I get rewards.

Bozeman, Montana

Betty A

I am old! The nice gentleman, Frank, who helped me on the phone answered all of my questions. Was very pleasant as he had to "put up" with someone like me who doesn't have a cell phone, doesn't know how to do much on a computer. He was most helpful. He's "a keeper!"

Pueblo, Colorado

Michael K

The points program.

Mount Carmel, Illinois

Linda H

Great customer service.

Decatur, Illinois

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Laurel R

I like the credit card but it is very difficult to pay by phone. I had to call four times before I achieved my payment.

River Grove, Illinois

Louie G

Good card with decent credit line.

Helena, Montana

Michael B

I like the credit card. I don't think it rewards me the most. the rewards are modest. Ok, I am not expecting grande but others are tossing 4 to 5 percent. Which card would you use? I want to make a large purchase soon and so I must consider which credit card would be worth it. commerce bank cc is cool. but there are others that are cooler. Come on man.

Dallas, Texas

Felix C

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Elkhart, Indiana

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Linda B

I rarely use this card because I get higher percentages of cash back with other cards in my wallet.

Austin, Texas

Rossana T

Unsatisfied for the following reasons: #1 dispute transactions took longer than 1 1/2 month not shown credit on online banking. #2 Did not wave the late charge for return mail which include pay check for the bill. Unknown the reason why the post office mail back to sender( Me), the envelope had full stamp, printed sender address label and Commerce Bank's return slip with printed mailing address. Mailed the copy of the return envelope to Commerce Bank and tried to wave the late fee but being rejected.

McKinney, Texas

Marcie S

I would be happier if it was 0% interest. An option to extend that feature if I've done well with my payments would be great.

Colona, Illinois

Donna O

...

San Antonio, Texas

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Jane K

Can't get points back by way of check.

Saint Paul, Minnesota

Michael O

THERE IS JUST TOO MUCH DYSFUNCTION INVOLVED FOR ME TO GO ON.......GOOD LUCK; YOU WILL NEED IT!!

Crossville, Tennessee

Disclosures:

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 commercebank.com/cashrewardsterms for full rewards program details.

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 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.