How to activate a Visa Gift Card?
Activation of your card depends on the purchase method. Cards purchased through a Corporate Bulk order (the first 8-digits are 4332-9101) must be activated by calling Gift Card Customer Service at 866-271-7780. Cards purchased online via our website (first 8-digits of your card are 4332-3500) will have your name embossed on it. You will activate your card using a combination of your phone number and zip code.
How can I check the balance on my Commerce Visa Gift Card?
To check the balance of your Commerce Visa Gift Card, log on to commercebank.com/checkmygiftcard or call the toll-free number 866-271-7780.
Why should I register a Visa Gift Card?
Registering your card has several benefits: It enables you to make purchases online. Most online retailers do not accept payments without a valid “billing” address. Your registered address will serve as the “billing” address that retailers require. It enables Customer Service Representatives to more quickly assist you when you call. It protects you from fraudulent activity. It protects you if your card is ever lost or stolen, so that you can be reimbursed for lost funds.
What should I do if my Commerce Visa Gift Card is lost or stolen?
Report a lost or stolen card immediately by calling Customer Service at 866-271-7780. You will need to have the card number and other identifying information in order to cancel the card and have a replacement card issued. A card replacement fee will apply if you are replacing a card that is lost/stolen. Refer to the fee section below.
What Terms and Conditions apply to the card?
By purchase, use and/or receipt of the Gift Card, you agree to the Terms and Conditions [PDF], including all Fees, provided at the time of purchase. Terms and Conditions may also be found by visiting commercebank.com/giftcards.
How will I know the original amount of my Commerce Visa Gift Card?
You can check your balance and transaction history online at: commercebank.com/checkmygiftcard or by calling the toll-free number on the back of your card, 866-271-7780.
What happens if I spend all of the money on my Commerce Visa Gift Card?
Once you have used up the funds on your Commerce Visa Gift Card, your card will be closed and you may discard. You may keep it in case you need to return an item you have purchased using the card, which will reopen your card if it has not expired.
Can I make purchases for more than the amount remaining on my Commerce Visa Gift Card?
To make a purchase greater than the balance on your card, you will need to use a second payment method, such as cash, check, or credit/debit card, for the difference. Tell the cashier how much to deduct from the card and how much you will pay with the second payment method.
Where can I use my Commerce Visa Gift Card?
Your Commerce Visa Gift Card can be used anywhere Visa debit cards are accepted. Your Gift Card can only be used within the Unites States for retail, online and telephone purchases.
Can I use my Visa Gift Card online?
Yes. You can use your Commerce Visa Gift Card to make purchases online. You must register your card before purchasing online. Some retailers will not process your purchase without a valid address registered to the card. You can register your card online at commercebank.com/checkmygiftcard or by calling 866-271-7780.
Can I use my Commerce Visa Gift Card at gas stations?
Yes. If you use your Gift Card for gasoline purchases, you must pay with the card at the cashier station. The card cannot be used for “Pay at the Pump” transactions if a PIN is not created when activating the card.
Can I use my Commerce Visa Gift Card at restaurants and hotels?
Yes. You should be aware that many restaurants, hotels, car rentals and other merchants might factor in an automatic tip or other expenses above the purchase amount when authorizing card purchases. If your bill, plus the estimated tip or other expenses, exceeds the amount on the Gift Card, it may be declined.
Can I add a PIN to my Visa Gift Card?
Yes. You may self-select a 4-digit PIN number online or over the phone. You may use your PIN for Point-of-Sale transactions.
Can I use my Commerce Visa Gift Card at an ATM?
No. Your Commerce Visa Gift Card can only be used for retail, online, and telephone purchases.
Can I use my Commerce Visa Gift Card to get cash or cash back at a bank or checkout lane?
No. Your Commerce Visa Gift Card does not have any “cash back” features.
Can I add more money onto my Commerce Visa Gift Card?
No, the Commerce Visa Gift Card does not have a reloadable feature.
How long can the Commerce Visa Gift Card be used?
Your Commerce Visa Gift Card will expire the last day of the month that is embossed on your card, which shall be no earlier than 5 years from the date of purchase. You may use your card to make purchases until the entire value of your card has been used or you’ve reached a zero balance due to Fee assessment. If you are a recipient of the Card, be sure and check the expiration date because you might have less than 5 years to use depending on when it was given to you.
What do I do if I have moved since I registered my Commerce Visa Gift Card?
You can change your address or telephone number online at www.commercebank.com/checkmygiftcard or by calling a Customer Service Representative at 866-271-7780.
What fees apply to the Commerce Visa Gift card?
In addition to the per card purchase fee, you will be charged the following fees, when applicable. These fees apply to all gift cards purchased in our branches, online, or through our bulk program effective 8/11/2010.
- Inactivity Fee - $5.00 per month
(Assessed each month after 12 consecutive months of inactivity, after the Card Activation Date or anytime thereafter)
- Lost/Stolen Card Reissue Fee - $10.00 per occurrence
- Lost/Stolen Card Cash-Out Fee - $15.00
- Standard Delivery (Online, 5-7 days) - $5.00 per card
- Standard Delivery (Bulk, 5-7 days) - $35.00 per order (limitations may apply)
- Express Delivery (Online/Bulk orders)
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Online - $30.00 per card
- Bulk Orders - $45.00 per order (limitations may apply)
What is the Inactivity Fee?
Your card will be considered inactive if there is no activity on the Card (purchases or credit returns) for twelve (12) consecutive months after the Card Activation Date or anytime thereafter. An Inactivity Fee will be assessed each month after twelve (12) consecutive months of inactivity. We will continue to charge an Inactivity Fee until you resume use or your Card reaches a zero balance or the funds expire. If you resume use of your Card, we will cease charging the Inactivity Fee the following month.
