Commerce Bank Business Rewards Visa card review

Commerce Bank Business Rewards Visa card review

Updated: May 8, 2020
Updated: May 8, 2020
Ratings Policy
Business Rating:
2 rating
2 rating
2 / 5
Rewards Value1.4
Annual Percentage Rate0.5
Rewards Flexibility3.2
Customer Experience2.4

In a Nutshell:

With a higher-than-average interest rate, minimal benefits and an unexceptional rewards program, the Commerce Bank Business Rewards Visa card ranks low on our list of business cards.

Rewards Rate

  • 1 point per dollar or 1% cash back on general purchases
  • 2% to 3% cash back on rotating purchases

Sign-up Bonus


Annual Fee


Average Yearly Rewards Value ($4,000 monthly spend)




Rewards Redemption

  • No limit on the amount of cash you can earn
  • Wide range of redemption options


  • Rewards expire after 4 years
  • Can only redeem cash back as a statement credit
  • A minimum of $25 cash back can be redeemed
Very Good

Customer Experience

  • Consumer Reports rating: 89 (24% of issuers ranked higher)
  • 24/7 customer service?: No
  • Online chat available?: No
  • Google Play Store mobile app rating: 3.9/5
  • Apple Store mobile app rating: 4.6/5

Other Notable Features: Individual credit lines for employees, automatic purchase discounts with Visa SavingsEdge

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If your credit is excellent and you want a basic business card with some rewards, you can almost certainly do better than the Commerce Bank Business Rewards Visa card. This “plain vanilla” rewards card offers fewer benefits than the average business card, but charges a significantly higher APR. It also offers fewer rewards than many of its competitors – particularly if you prefer points instead of cash.

On the plus side, the Commerce Bank Business Rewards card doesn’t charge borrowers a high maximum interest rate, so it may be worth applying for if you need to carry a balance and can’t qualify for a lower rate. It may also appeal to cardholders who are already Commerce Bank customers and want a card with the same bank. Only cardholders living in Missouri, Kansas, Illinois, Oklahoma or Colorado are eligible.

Modest cash rewards

The Commerce Bank Business Rewards card gives cardholders the choice between point rewards and cash back, but the cash back rewards are significantly more generous. Cardholders who prefer points earn just one point for every dollar spent, with no additional bonuses. Meanwhile, cardholders who choose cash rewards get 1 percent cash back on general purchases, and then another 2 to 3 percent cash back on rotating purchases. Unfortunately, many of the bonus categories, such as child care and fitness, appear to be geared for consumers more than businesses, so you may not always benefit.  However, there are some business-friendly categories that appear on a rotating basis, such as restaurants, and Internet and phone payments. So it’s worth taking the time to opt in to the rotating bonuses.

Restrictions on redemption

You may have trouble redeeming rewards when you’re ready for them – especially if you prefer cash back instead of points. To redeem your earnings as cash, you must redeem them as a statement credit on your credit card bill rather than in the form of a check or deposit. The statement credit helps shave down your overall balance, but it may not be as satisfying as redeeming cash in your account. You’ll also have to wait until you earn at least $25 worth of cash to redeem it. Commerce Bank doesn’t limit the total amount you can earn, though, so if you’re a heavy spender, you may take home a sizable amount. It also gives cardholders roughly four years to redeem their earnings.

Better-than-average APR

The Commerce Bank Business Rewards card offers an excellent flat APR of 14.9 percent. A single interest rate helps take the guesswork out of applying. Many business cards advertise a wide range of potential APRs, making it hard to know in advance which rate you’ll actually get. The rate is lower than the minimum rate offered by most business credit cards and is several points lower than the typical maximum interest rate. So if your credit is less than perfect, you may be able to get a good deal with this card.

Few benefits

Unfortunately, the Commerce Bank Business Rewards Visa doesn’t offer many benefits, making it even harder to justify the card’s pricier APR. It doesn’t offer any of the standard credit card perks that are ubiquitous on other cards, such as price protection and car rental insurance. Nor does it offer a sign-up bonus or an introductory APR.  It doesn’t offer many business-specific benefits either. However, it does allow individual credit limits for employees, which is a big plus if you need to authorize multiple cards. It also offers an automatic discount program that can help you shave down monthly bills.

Why get the Commerce Bank Business Rewards Visa card?

  • You have good enough credit to qualify for the Commerce Bank Business card but can’t qualify for a card with a lower rate.
  • You want significant cash back and don’t mind keeping track of rotating categories.
  • You already have an account with Commerce Bank and want a card with the same bank.

How to use the Commerce Bank Business Rewards Visa card:

  • To get the most value out of your card, choose cash instead of points.
  • Monitor the card’s rewards page to see which purchase categories are eligible for additional cash back.
  • Use cash back earnings to shave down your monthly balance.

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All reviews are prepared by staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.

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