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Commerce Bank Visa Signature® Credit Card

Visa Signature Credit Card
Visit the nearest Commerce Bank Branch to apply.


  • A credit card that offers a level of personal service and privileges, and a flexible rewards program.
  • Now accepted at more international locations!
  • Enhanced credit card security while traveling internationally.
  • Learn more about chip-enabled credit cards.

Annual Percentage Rate

  • 0% Introductory1 APR on Purchases and Balance Transfers, for 9 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

  • No Pre-Set Spending Limit5 provides you with remarkable purchasing power!
  • Visa Signature Concierge6 – 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

  • View your FICO® Score for free on your monthly credit card statement7
  • 24/7 Customer Service (except holidays) and Online Account Access
  • Zero Liability coverage8
  • $250,000 Travel Accident Insurance
  • Emergency Card Replacement and Emergency Cash Disbursement
  • Access to toggle® - a free and flexible payment feature that lets you manage your spending like a debit card, with the rewards of a credit card


  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. No Pre-Set Spending Limit does not mean unlimited spending; rather each charge that causes your Account to exceed its Revolving Credit Line will be evaluated by us based on several factors. Any balance that exceeds your Revolving Credit Line will be added to your minimum payment and will be due and payable when you receive your periodic statement.
  6. Certain terms, conditions, limitations, and exclusions apply. All costs for goods or services purchased are the responsibility of the cardholder.
  7. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
  8. 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.