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Visa Peace of Mind

Shop & travel with confidence.
The convenience you want with the security you expect.

Visa® Peace of Mind

Your Visa® card provides multiple layers of protection to help you shop anywhere, anytime, any place with greater comfort and confidence. These include:

See your respective Guide to Benefits for details.
Visa Traditional Guide to Benefits
Visa Signature Guide to Benefits

You are not held liable for unauthorized transactions that you report to us. You must notify Commerce Bank within 60 days of receiving statement with unauthorized account activity.

Count on built-in auto rental coverage

When you use your covered Commerce Bank Visa card to rent a vehicle, you’ll get built-in Auto Rental Coverage. You’re covered for physical damage, theft, reasonable and customary towing and loss-of-use charges. Decline the collision Damage Waiver coverage offered by the rental agency and make sure your name is listed as the primary renter on the auto renal contract. Any additional drivers must also be listed on the auto rental agreement.

Easy claim process

Go to or call to talk to a benefit Administrator at 1-800-348-8472 (outside the U.S., call collect: 1-804-673-1164) to initiate your claim. You must sign and return your claim form (or if you prefer, file online) within 90 days of the date of incident – you can supply any outstanding documentation afterwards.
We’ve got you covered. Pay your monthly cell phone bill with your Commerce Visa card to receive supplemental coverage – at no additional cost. Get reimbursed, up to $200, for theft or damage of your cell phone that is not covered by other insurance, including your other insurance’s deductible.*
Call on Roadside Dispatch whenever you’re in need of a tow. Roadside Dispatch is a pay-per-use roadside assistance program that provides you with security and convenience wherever your travels take you. No membership or pre-enrollment is required. No annual dues. No limit on usage.

Please refer to your Guide to Benefits for more details.


*Subject to $50 deductible. Maximum of two claims per year.