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Commerce Bank MilesSM Credit Card

The Commerce Bank MilesSM card features a flexible rewards
program with hundreds of reward options.


  • A credit card that earns points on both your Purchases and interest accrued on monthly balances.

Annual Percentage Rate

  • 0% Introductory1 APR on Purchases and Balance Transfers, for 6 monthly billing cycles after account opening, then a competitive rate of 10.24% - 20.24% APR2.
  • View Important Disclosures>>

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 balance.
  • Points can be redeemed for merchandise, gift cards, travel, cash back and more! A cash back redemption is applied to your account as a statement credit.4
  • UNLIMITED point earning. No cap exists on the points you can earn each year.
  • Points expire after 5 years.

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.
  • Visit to learn more.

Additional Benefits


  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 Signature Rewards Terms and Conditions for full details or call 877-787-3171.
  4. The statement credit will reduce your balance, but you are still required to make at least your minimum payment.
  5. Certain terms, conditions, limitations, and exclusions apply. All costs for goods or services purchased are the responsibility of the cardholder.
  6. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
  7. Customer must notify Commerce Bank within 60 days of receiving statement with unauthorized account activity.
  • 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.