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  • Kiwanis Visa Rewards Card. Apply Now.
  • Kiwanis Visa Rewards Card. Apply Now.
  • Kiwanis Visa Rewards Card.  Apply Now.
Kiwanis Visa Rewards Card

UNLIMITED CASH BACK1!

Earn 1% Cash Back1 for every dollar in Net Merchandise Purchases.

A Cash Back redemption is applied as a statement credit.

Earn 2% & 3% Cash Back1

for purchases in select categories2

PLUS: Visa Signature® Benefits!

Including Visa Concierge

RECEIVE A $30 Kiwanis Family
Store Gift Code
when you open your account3!

$30 Kiwanis Family Store Gift Code

Extend your Kiwanis impact every time you make a purchase!

Use your card everywhere Visa is accepted and Commerce will contribute a percentage of all Net Merchandise Purchases4 to the Kiwanis Children’s Fund to help serve children of the world.

Disclosures:

  • 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.
  • 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. A maximum of 2,500 bonus points will be awarded per quarter, per rewards account.
  • Subject to credit approval. By applying for the Kiwanis Visa Rewards, you are authorizing Commerce Bank to share information with Kiwanis International to fulfill the online gift code. Kiwanis International will be notified of your account opening, and when you qualify for the online gift code. Kiwanis International is responsible for fulfillment. Please allow up to 60 business days to receive the online gift code. Limit one (1) $30 online gift code per Kiwanis Visa® Rewards account.
  • For every $100 in Net Merchandise Purchases made with this credit card, Commerce will contribute $0.25 to Kiwanis Children’s Fund. "Net Merchandise Purchases" means purchases of merchandise or services on the Account, less any returned merchandise credits or service credits posted to the Account. Net Merchandise Purchases does not include Cash Advances, Balance or associated fees, money transfers or other fees, gaming chips, or fees or premiums for coverage or insurance to protect the balances of an Account holder’s Account. Questions concerning eligible transactions and what constitutes Net Merchandise Purchases will be determined in the sole discretion of Commerce.
  • Kiwanis International and Commerce Bank reserve the right to make changes to the VIP cardholder benefits at any time, with or without prior notice. Commerce Bank is not responsible for fulfillment of the VIP benefits, or failure to provide the stated benefits and services.

Annual Percentage Rate

  • 1.99% Introductory1 APR on Purchases and Balance Transfers, for 6 monthly billing cycles after account opening, then a competitive rate of 11.24% to 21.24%2.
  • View Important Disclosures

Annual Fee

  • $0

Rewards

  • Earn 1% Cash Back3 for every dollar in Net Merchandise Purchases.
  • Earn up to an additional 2,500 bonus points every quarter with 2% & 3% Cash Back for purchases in select categories4.
  • Redeem for 1% Cash Back3 or choose from gift cards, travel, merchandise and more.

Special Privileges

  • Visa Signature Concierge5 – Visa Signature’s 24 x 7 complimentary concierge service can handle life’s details, so you don’t have to. Services include restaurant recommendations, reservations, and vacation-planning assistance.
  • See Visa Signature Benefits tab for a full list.

Additional Benefits

Disclosures:

  • 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.
  • Your standard APR will be determined based on your creditworthiness at Account opening and will be disclosed in your Account Opening Disclosure with your new credit card approximately 7 - 10 business days after Account approval. This APR will vary with the market based on the Prime Rate. The Prime Rate used to determine the APR on your Account is the U.S. Prime Rate published in The Wall Street Journal in its column called "Money Rates" on the last business day of each month.
  • 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 for non-cash back redemption items such as merchandise, gift cards, and travel may vary.
  • 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. A maximum of 2,500 bonus points will be awarded per quarter, per rewards account.
  • FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
  • 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.

Commerce Bank Rewards1


Rewards Made Better!

Use your Commerce Bank Rewards credit card for all of your purchases, and watch your points add up!

EARN REWARDS

1% Cash Back2 for every dollar in Net Merchandise Purchases3.

Earn 2500 bonus points with 2% & 3% cash back

COMMERCE BANK REWARDS OFFERS

Unlimited Cash Back2! There is no limit to the amount of Cash Back2 you can earn.

Convenience – Redeem online anytime, anywhere.

Flexibility – Hundreds of options under one program. Simply pick the reward that meets your needs.

Simplicity – Use your card for purchases, earn rewards and redeem easily online or by phone.

Disclosures:

  • See Commerce Rewards Terms and Conditions for full details or call 800-678-0769.
  • 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 for non-cash back redemption items such as merchandise, gift cards, and travel may vary.
  • "Net Merchandise Purchases" means purchases of merchandise or services on the Account, less any returned merchandise credits or service credits posted to the Account. Net Merchandise Purchases does not include Cash Advances, Balance or associated fees, money transfers or other fees, gaming chips, or fees or premiums for coverage or insurance to protect the balances of an Account holder’s Account. Questions concerning eligible transactions and what constitutes Net Merchandise Purchases will be determined at the sole discretion of Commerce.
  • Offer eligible for Net Merchandise Purchases made from the promotional period start date (or the date on which you sign up, whichever is later) through the end of that quarter’s promotional period. Activation required. See Rewards Terms & Conditions for full program details. 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.

Shopping & Security

Visa Signature Concierge*

Visa Signature's 24 x 7 complimentary concierge service can handle life's details, so you don't have to. Services include restaurant recommendations, reservations, and vacation-planning assistance.

Visa Signature Perks

Receive exclusive perks including special offers on travel, fine wine & food, sports & shopping, and entertainment

Purchase Security

When you pay with your Visa Signature card, your eligible purchases are replaced, repaired or reimbursed for the first 90 days from the date of purchase in the event of theft, damage due to fire, vandalism, accidentally discharged water, or certain weather conditions.

Warranty Manager Service

Protect and manage your purchases. Through one convenient service, you can register products and extend manufacturers' repair warranties.

Emergency Card Replacement and Emergency Cash Disbursement

Call on Visa when you need an emergency cash advance or a card replacement delivered to you – 24 hours a day.

Lost/stolen Card Reporting

Enjoy peace of mind knowing that if your Visa Signature card is ever lost or stolen, assistance is only a phone call away.

Cardholder Inquiry Services

Visa Customer Care Services (VCCS) provides 24-hour emergency services to Visa cardholders around the world.

Zero Liability Coverage**

You’re protected from unauthorized use of your Visa Signature card or unauthorized access to account information.

Limitations and restrictions may apply to Shopping & Security benefits identified above. Visit visa.com/signaturebenefits to learn more.

Travel

Auto Rental Collision Damage Waiver

Receive auto coverage for damage due to collision or theft.

Lost Luggage Reimbursement

You’re eligible to receive reimbursement for your losses when you pay for tickets with your covered Visa Signature card.

Roadside Dispatch

Rely on 24-hour, toll-free referral dispatch for emergency roadside assistance services like towing, fuel delivery, and more.

Travel & Emergency Assistance Services

Travel with confidence and count on Visa for a wide range of emergency services, 24 hours a day.

Limitations and restrictions may apply to Travel benefits identified above. Visit visa.com/signaturebenefits to learn more.

Disclosures:

  • Certain terms, conditions, limitations, and exclusions apply. All costs for goods or services purchased are the responsibility of the cardholder.
  • 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.

Helpful Tools

Contact Us:

Call:

  • To apply over the phone, please call 1-800-725-0512
  • Existing customers, please call 1-800-645-2103

Click: Email Us†
Come by: Find a branch or ATM
Log in: Access your accounts

Disclosures:

  • To send an email that contains confidential information, please visit the Secure Message Center where there are additional instructions about whether to use Secure Email or Online Banking messaging.
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