Founded in 1865 and headquartered in Kansas City, Missouri, Commerce Bank offers a number of financial services, including banking, loans, and credit cards.

Rank Chart
Annual Fees


0 - 23.24%


0 - 23.24%
$0 - 116


0 - 24.99%
$0 - 59


0 - 20.49%
$0 - 125

The Good

  • Competitive APRs
  • Rewards programs
  • Free credit score tracking
  • Security

Competitive APRs

Depending on the card, Commerce Bank offers an introductory APR of 0 percent for the first six to nine months. After the introductory period, rates range from 10.49 to 20.49 percent*, which is very competitive among APRs offered by other top credit card companies.

Rewards Programs

Commerce Bank offers a number of different rewards programs to its cardholders. Customers who frequently use their Commerce Bank credit card have the ability to earn travel points, merchandise, gift cards, and up to 3 percent cash back.

Free Credit Score Tracking

Commerce Bank provides its customers with the ability to monitor and track their credit score each month at no extra cost. This feature, which is not offered by every company in the industry, is helpful for cardholders who want to stay on top of their credit.


Commerce Bank has put fraud safeguards in place to protect its customers. The company offers zero liability coverage for unauthorized charges and emergency card replacement and cash disbursement in the event of a lost or stolen card.

The Bad

  • Annual fees
  • Undisclosed information

Annual Fees

Commerce Bank charges its cardholders an annual fee of up to $125 each year.

Undisclosed Information

Commerce Bank has not disclosed on its corporate website whether or not it charges late payment or foreign transaction fees. This lack of transparency can be frustrating for potential cardholders who would like to have an idea of what types of fess they will be subject to.

The Bottom Line

Commerce Bank offers competitive APRs, rewards programs, free credit score tracking, and security features. However, the company does charge annual fees. It is unclear whether or not Commerce Bank charges late payment or foreign transaction fees.

*Disclaimer: Listed interest rates were accurate as of December 2016 but are subject to change. Actual rates may differ from those listed in our review.

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