toggle® Credit Card Reviews
4.4/5 overall rating
(106 reviews)
A smarter way to earn rewards and track spending with flexible, easy-to-use payment tools such as Pay Now®, Pay Later® and Unwind®.
toggle — the only card you need.
1 Cash Back applied as a statement credit.
07/27/2023
Works Well for Me
Use it all the time with no problems! The rewards work well for me. Helps me save on every thing I buy!!
Fred B
Republic, MO
Cardholder since 2022
07/19/2023
Easy to use as a credit card and more
Though I am still learning, I have found this to be an advantageous card for use everywhere I go. It is accepted and available for just about any purchase. The follow up and customer assistance is great with a wonderful staff.
David S
Saint Louis, MO
Cardholder since 2020
07/19/2023
Rewards
It isn't clear how to redeem rewards
Rolethia M
Florissant, MO
Cardholder since 2020
07/19/2023
Security/Fraud Alerts
All my other credit cards send a quick text confirming whether or not I have made a purchse (when they detect fraud). The Toggle Card just locked and I had to call in. When they didn't believe me, they informed me I had to come into a location and show ID for the card to be unlocked. I was traveling and unable to do so for several days. I do not know why this card has to be more difficult to handle than one of my others. It does not make me want to continue using it.
Carolyn L
Saint Louis, MO
Cardholder since 2020
07/19/2023
I had no use for the toggle feature so far. But I like the features I do make use of, rewards and auto-pay which are standard with credit cards anyway. I would prefer no limits on the rewards redemption -
Elenor G
Ballwin, MO
Cardholder since 2020
07/19/2023
Used for a necessary stairlift. Payments were reasonable and were immediately credited to the Toggle account. Also given payment amount options and could see how long a time to pay off.
Peggy W
Blue Springs, MO
Cardholder since 2020
10/14/2021
James
Lecompton, KS
Cardholder since 2020
10/14/2021
Extremely Satisfied!
I love my Toggle card from Commerce Bank! Thanks for the great service!
Alexander C
Metamora, IL
Cardholder since 2020
10/14/2021
Sheila B
Lees Summit, MO
Cardholder since 2020
10/14/2021
Like getting back cash back for usage
Donna M
Oak Grove, MO
Cardholder since 2020
10/13/2021
The. Card. Is. Fine. Your. Customer. Service. Via. Phone. Call. Is. Non. Existent. I. Called. Three. Times Three. Weeks Ago. Waited. For. Over. 30. Minutes. Each Time. Without. An. Reply. From. Your. Team. Really. Shows. That. Commerce. Bank. Is. Really. Not. Concerned. About. Their Clients Hire. More. Customer. Service. Associates. The. Cost Will. Be. Minor In. Comparison. To. Losing. Your. Customer Base.
Lawrence J
Fox Lake, IL
Cardholder since 2020
Disclosures:
- 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 of non-cash redemption items may vary. Offer cannot be combined with other promotional offers. Visit commercebank.com/cashrewardsterms for full rewards program details.
Use of Commerce Bank Credit Cardholder Ratings & Reviews: The credit-card ratings and card-specific reviews displayed on commercebank.com were submitted by verified Commerce Bancshares, Inc. (Commerce Bank) credit-card holding customers who voluntarily completed a customer satisfaction survey. The numerical/visual star ratings and corresponding feedback should not be considered or interpreted as the opinions and viewpoints of all Commerce Bank clients and are utilized for information-only and product-enhancement purposes. Ratings and reviews are specific to the credit-card product type displayed. Commerce Bank does not endorse or guarantee review submissions and assumes no liability for actions or decisions based solely on, or a combination of, utilizing these customer ratings and reviews as a definitive point of reference when deciding to apply for a Commerce Bank credit card. Product offerings, benefits and promotional offers may change over time and some submissions might not reflect the most-current offerings.
Prior to publishing all ratings, reviews and recommendations online at commercebank.com, comments and reviews were filtered for profanity; spelling errors are subject to correction. These surveys were sent in August and September 2019 using a 10-point scale, which has been converted to a 5-star scale, where 10-9 points = 5 stars; 8-7 points = 4 stars; 6-5 points = 3 stars; 4-3 points = 2 stars and 1-2 points = 1 star. Overall visual-star ratings adjacent to each credit card are an aggregated average of all ratings received.
