Commerce Bank: We ask, listen and solve.


You want value and convenience. MidWestOne Bank has joined with Commerce Bank to offer a Visa® Rewards Credit Card that provides value and convenience you can count on.

Enjoy a Special Introductory Rate

Through Commerce Bank, MidWestOne can offer a credit card to meet your everyday needs. It has a low Introductory Rate and no Annual Fee, along with the great customer service you’ve come to expect. The Visa Rewards Credit Card offers its cardholders 1.99% Introductory1 APR on Purchases and Balance Transfers, for 6 months, then a competitive rate of 14.24% APR2.

Simplify Your Finances

Balance Transfer your higher-rate balances to your new Visa Rewards Credit Card and simplify your finances.  You can save time by consolidating your other balances into one great low-rate card and save money on your monthly payments.

Also, if your new Visa Rewards Credit Card is ever lost or stolen, simply call 800-645-2103 to have a replacement card sent to you.


MidWestOne Bank Visa® Rewards credit card

Annual Percentage Rate

  • 1.99% Introductory1 APR on Purchases and Balance Transfers, for 6 months, then a competitive rate of 14.24% APR2

Annual Fee

  • $0


  • Earn one point for every dollar in net merchandise purchases
  • Earn three points for every dollar in interest you accrue on your monthly balances.
  • Points can be redeemed for merchandise, gift cards, cash back, travel, and more!

Additional Benefits

  • Zero Liability Coverage4
  • 24/7 ATM Access
  • Customer Service availability 24 hours a day, 7 days a week (except holidays) at 800-645-2103

MidWestOne Bank is proud to present you Commerce Bank Rewards offering hundreds of rewards options including Merchandise, Cash Back, Gift Cards, Travel, and more! With no Annual Fee and low Introductory Rate, you get the value you deserve.

  • Earn one point for every dollar in Net Merchandise Purchases*.
  • Earn three points for every dollar of interest accrued on a monthly balance.
  • Unlimited Point Earning

Additional Details:

  • Take up to 3 years to earn and redeem your points before they expire.
  • Reward options include Merchandise, Cash Back, Gift Cards, Travel, and more!
  • Receive unique "dollars off" the purchase of any airline ticket.

* 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 Transfers or transactions using Convenience Checks or any associated fees, finance charges, traveler’s checks, money orders or associated fees, money transfers or other fees, gaming chips, or fees or premiums for coverage or insurance to protect the balances of an Accountholder’s Account. Questions concerning eligible transactions and what constitutes Net Merchandise Purchases will be determined in the sole discretion of Commerce.

Helpful Tools

Contact Us:


  • 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


  1. 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.
  2. 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.
  3. See Commerce Rewards Terms and Conditions for full details or call 800-678-0769.
  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.
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