Testing release web2 DB
=== November Release 5 2025

Business content publishing === 12/17

Cash back bonus

I never received my cash back bonus of $200.00 and I did spend $1,000.00 in the 1st three months. I did cash in points for a $250.00 but am still disappointed that I never received my $200.00 cash back as promised.

Member since 2001

I opened my account in August 2001 and have never even considered any other bank, why change a perfect bank?! I absolutely love the toggle feature!!

paid off - no balance - the less usage the higher my credit score

This is the most incompetent credit card I have ever had to deal with.

The phone customer service is incompetent. The address on one of the cards is still incorrect despite multiple efforts by me to get it corrected. Two refund checks did not reach me because of this incompetence. The complaint process about incorrect charges is a joke. I clearly told a phone customer service rep why a charge was incorrect. She did not ask for documentary proof, which I gladly would have provided. Then I got a letter many weeks later saying that my complaint was not approved and I hadn’t provided any proof! Like everything else about Commerce Bank, this credit card is handicapped by badly trained and overworked people. I have experienced such systemic, consistent, maddening incompetence in all my dealings over the last year and a half with Commerce at all levels and types of service that I have finally been pushed to disentangling myself from this miserable excuse for financial services entity. Shame on Commerce Bank.

Currently happy with my card

Quick evaluation of credit limit

My credit limit had been increased rather quickly. Obviously you determined rather quickly that an increase was in order.