Toggle(r) Credit Card image on green background

toggle® Card


Enjoy the best of two worlds with one card – earn rewards for all purchases and choose how to pay.

  • UNLIMITED Cash Back1 with no point caps & no opt-in
    A Cash Back1 redemption is applied as a statement credit.
  • Redeem for Cash Back1, gift cards, travel, merchandise, and more.
  • Enjoy the best of debit and credit all in ONE card with toggle®! Learn more.
    • Earn rewards for all purchases, big or small, no matter how you pay
    • Avoid interest on the categories you choose to pay now
    • Control your plan by making changes whenever you want
  • Low Introductory APR3
  • No Annual Fee
  • Zero Liability Coverage4
Apply now
3% Cash Back (1) Wireless Providers(2) Ride sharing services(2) 2% Cash Back(1) Gas(2) restaurants(2) 1% Cash Back(1)  all other purchases


1. 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.

2. Merchants self-select the category in which they would like their transaction items to be listed. Please note some merchants may be owned by other companies, therefore transactions may not be counted in the expected category.

3. 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.

4. Customer must notify Commerce Bank within 60 days of receiving the first statement with unauthorized activity. For specific restrictions, limitations and other details, please consult Commerce Bank.

To view or print a PDF file, Adobe® Reader® 9.5 or above is recommended. Download the latest version.