Apply Today

It's Quick and Easy!

Apply Online >

Garfield Visa® with Rewards

Your choice of two card images:

Earn points towards hundreds of reward options including Merchandise, Gift Cards, Cash Back, Travel and more every time you make a purchase!


  • A credit card that earns points towards hundreds of reward options like Merchandise, Gift Cards, and Travel, as well as, exclusive Garfield items.

Annual Percentage Rate

  • 1.99% Introductory* APR on Purchases and Balance Transfers for 6 monthly billing cycles after account opening, then a competitive rate of 14.24% to 20.24% APR**.
  • 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 balances.
  • Plus, an additional 500 bonus points with your first purchase within 90 days.
  • Additional Details:

    • UNLIMITED point earning is here! No cap exists on the points you can earn each year.
    • Take up to 3 years to earn and redeem before they expire!
  • View exclusive Garfield items here!

Additional Benefits

  • Online E-Statements
  • Optional Auto Pay and Overdraft Protection
  • 24/7 Customer Service (except holidays) and Online Account Access
  • Zero Liability coverage****
  • $100,000 Travel Accident Insurance
  • Auto Rental Collision Damage Waiver
  • Emergency Card Replacement and Emergency Cash Disbursement


  • 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.
  • See Commerce Bank Rewards Program Terms and Conditions for full details call 800-678-0769.
  • Customer must notify Commerce Bank within 60 days of receiving statement with unauthorized account activity.
  • GARFIELD Characters ©PAWS. All Rights Reserved.
  • 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.