Commerce Bank Business Rewards Card is a small business credit card that offers cash back rewards that you can redeem for airline travel, gift cards, and more. You can also enjoy a fixed-rate regular APR and $0 annual fees. The card is ideal if your business is located in Colorado, Illinois, Kansas, Missouri, and Oklahoma, as those are where Commerce Bank provides business credit card services.
If you wish to compare one card over another, select a maximum of three cards on this page and click Add to compare to view the details in a side-by-side comparison.
Commerce Bank Business Rewards Card
BEST FOR:
Those with existing Commerce Bank accounts who want to earn fixed-rate cash back rewards
Intro APR
N/A
Regular APR
17.65% variable
Annual Fee
$0
Credit Needed
Good to Excellent
- Earn 2X and 3X points in selected merchant categories after activating Quarterly Bonus Points, with no limit on the number of points you can earn
- 1% cash back rewards that you can redeem for airline travel, gift cards, merchandise, and more, with no limit on the number of points you can earn
Pros
- Enjoy $0 annual fees
- Lower-than-average regular annual percentage rate (APR)
Cons
- Has no rewards for new cardholders
- No interest-free financing option on both purchases and balance transfers
- Only serves customers in selected states, namely: Missouri, Kansas, Illinois, Oklahoma, and Colorado
- Does not offer any unique features that set it apart from the rest
- Employee credit cards: Commerce Bank Business Rewards Card offers employee credit cards with an individual limit set for each employee.
- Special Connections®: Cardholders with existing checking accounts with Commerce Bank can use the Special Connections® feature, allowing them to use their Commerce Bank Business Rewards Card for both credit and debit purchases and conveniently access their other Commerce Bank accounts at the ATM.
- Lock your card: You can temporarily block new purchases and ATM withdrawals without interrupting recurring payments.
- Visa® Liability Waiver Program: This program offers peace of mind to its cardholders and guarantees you not be liable for unauthorized purchases or withdrawals from your account.
Intro APR
N/A
Regular APR
17.65% variable
Annual Fee
$0
Credit Needed
Good to Excellent
- Earn 2X and 3X points in selected merchant categories after activating Quarterly Bonus Points, with no limit on the number of points you can earn
- 1% cash back rewards that you can redeem for airline travel, gift cards, merchandise, and more, with no limit on the number of points you can earn
Pros
- Enjoy $0 annual fees
- Lower-than-average regular annual percentage rate (APR)
Cons
- Has no rewards for new cardholders
- No interest-free financing option on both purchases and balance transfers
- Only serves customers in selected states, namely: Missouri, Kansas, Illinois, Oklahoma, and Colorado
- Does not offer any unique features that set it apart from the rest
- Employee credit cards: Commerce Bank Business Rewards Card offers employee credit cards with an individual limit set for each employee.
- Special Connections®: Cardholders with existing checking accounts with Commerce Bank can use the Special Connections® feature, allowing them to use their Commerce Bank Business Rewards Card for both credit and debit purchases and conveniently access their other Commerce Bank accounts at the ATM.
- Lock your card: You can temporarily block new purchases and ATM withdrawals without interrupting recurring payments.
- Visa® Liability Waiver Program: This program offers peace of mind to its cardholders and guarantees you not be liable for unauthorized purchases or withdrawals from your account.
When evaluating cash back business credit cards like the Commerce Bank Business Rewards Card, we consider ongoing rewards first and introductory rewards as the second biggest factor. We also look at the annual fee, introductory and ongoing APRs, and card benefits.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Ongoing Rewards | 25 | 30 |
Introductory Rewards | 0 | 20 |
Annual Fee | 15 | 15 |
Additional Features | 10 | 15 |
Introductory APR | 0 | 10 |
Ongoing APR | 8 | 10 |
Total Score | 58 | 100 |
Who the Commerce Bank Business Rewards Card Is Best For
- Those with fixed large purchases: Businesses that make large purchases frequently will appreciate the card’s low regular APR.
- Those with existing Commerce Bank accounts: If you have an active Commerce Bank checking account, you might want to consider getting this card, especially if you wish to earn rewards.
See our recommended alternatives below if this doesn’t fit your business needs.
Commerce Bank Business Rewards Card Rewards
- 1% cash back rewards on all purchases
There is no cap on the amount of cash back you can earn.
Commerce Bank Business Rewards Card Calculator
Use our calculator to determine the value of the potential rewards earned with a Commerce Bank Business Rewards Card. Input your estimated monthly expenses.
How To Redeem Commerce Bank Business Rewards Card Rewards
Quarterly Bonus Points, which is under the Commerce Bank Rewards Program, is an easy way to earn and redeem rewards when using your Commerce Bank Business Rewards Card.
To redeem rewards, you can either go to www.commercebank.com/rewards or call Commerce Bank to convert rewards for fuel discounts, gift cards, movie tickets, merchandise, and charity donations. Under travel rewards, you can redeem for airline tickets, hotel certificates, and auto rental vouchers.
If you opt to redeem your cash back as a statement credit, this will be reflected in your account within two business days from the date of redemption.
Commerce Bank Business Rewards Card Features
- Suspicious card activity alert: Sign up for suspicious card activity alerts online; you will receive a text message if a credit card transaction is flagged due to potentially fraudulent activity.
- Employee cards: Issue employee credit cards with an individual limit set for each employee. There’s no limit on the number of cards you can request.
- Visa® Liability Waiver Program: Get peace of mind that you won’t be liable for unauthorized purchases or withdrawals from your account. You’ll get the amount worth for each service, depending on your card type.
- Lock your card: Temporarily block new purchases and ATM withdrawals without interrupting recurring payments.
Commerce Bank Business Rewards Card Fees
APR
- Introductory: N/A
- Ongoing: 17.65% variable, depending on the prime rate (with a minimum finance charge of 50 cents)
- Cash advance: 19.90% variable, depending on the prime rate
- Late payment: 21.99% variable, depending on the prime rate
Fees
- Annual: None
- Late payment and over-the-credit-limit: $29
- Cash advance: 3% of the cash advance amount with a minimum of $15
Your due date is at least 20 days from the date of the periodic statement, provided that you have paid the previous balance in full by the due date.
- Online: Commerce Bank offers a Make a Payment Wizard that allows you to make a one-time payment from either your checking or savings account. Click the “Make a Payment” button on your Account Activity page or the “Make a Payment to your Credit Card” link on the Customer Service page.
- In-person: Go to the nearest Commerce Bank branch to make your credit card payment.
- Mobile app: Pay via the Commerce Bank app, which you can also use to lock and unlock your card.
Commerce Bank Business Rewards Card Alternatives
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
Those wanting to earn up to 5% cash back on selected spending categories
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
17.99% - 26.99% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
17.99% - 26.99% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
The Commerce Bank Business Rewards Card does not offer a 0% introductory APR period on purchases. We suggest the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® as an alternative as you can earn rewards and enjoy a 0% introductory period on purchases for the first 12 billing cycles.
Bank of America Platinum Plus® Mastercard®
Bank of America® Platinum Plus® Mastercard® Business card
BEST FOR:
Low-interest credit card for business purchases
Intro APR
0%
7 billing cycles
7 billing cycles
Regular APR
16.49% - 27.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Save on interest with a competitive purchase APR.
- No annual fee.
- 0% Introductory APR on purchases for the first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.49% to 27.49% will apply.
- Get employee cards at no additional cost to you and with credit limits you set.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Low ongoing APR
- 0% introductory APR
- $0 annual fee
- Sign-up bonus of $300
Cons
- No ongoing rewards
- 0% APR excludes balance transfers
- No-interest period is shorter than other cards
- Zero liability protection: Bank of America offers liability protection for unauthorized transactions, added protection for certain purchases against loss, damage, theft, or fire, and extended warranty coverage.
- Balance Connect for overdraft protection: This is an optional overdraft protection service that helps prevent declined purchases, returned checks, or other overdrafts. You need to link your Bank of America Business Advantage Travel Rewards World Mastercard® to a Bank of America business checking account.
- Free access to business credit score: You can view and monitor your Dun & Bradstreet business credit score for free within Business Advantage 360.
Intro APR
0%
7 billing cycles
7 billing cycles
Regular APR
16.49% - 27.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Save on interest with a competitive purchase APR.
- No annual fee.
- 0% Introductory APR on purchases for the first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.49% to 27.49% will apply.
- Get employee cards at no additional cost to you and with credit limits you set.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Low ongoing APR
- 0% introductory APR
- $0 annual fee
- Sign-up bonus of $300
Cons
- No ongoing rewards
- 0% APR excludes balance transfers
- No-interest period is shorter than other cards
- Zero liability protection: Bank of America offers liability protection for unauthorized transactions, added protection for certain purchases against loss, damage, theft, or fire, and extended warranty coverage.
- Balance Connect for overdraft protection: This is an optional overdraft protection service that helps prevent declined purchases, returned checks, or other overdrafts. You need to link your Bank of America Business Advantage Travel Rewards World Mastercard® to a Bank of America business checking account.
- Free access to business credit score: You can view and monitor your Dun & Bradstreet business credit score for free within Business Advantage 360.
Consider the Bank of America Platinum Plus® Mastercard® if you seek a card that lets you see your business credit scores at no additional cost; this can be done through Bank of America’s Business Advantage 360. This card also lets you earn automatic rebates through the Mastercard Easy Savings® Program.
American Express Blue Business Cash™
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
Intro APR
0% on purchases
Regular APR
17.49% - 25.49% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 25.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
Intro APR
0% on purchases
Regular APR
17.49% - 25.49% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 25.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
The Commerce Bank Business Rewards Card will not let you spend beyond your credit limit. If you intend to do so, then we recommend the American Express Blue Business Cash™ as it features the flexibility to exceed your credit limit, which you can take advantage of after meeting certain criteria.
Frequently Asked Questions (FAQs)
Commerce Bank is located in eleven states, namely:
- Colorado
- Illinois
- Indiana
- Iowa
- Kansas
- Michigan
- Missouri
- Ohio
- Oklahoma
- Tennessee
- Texas
It should be noted that it only provides business credit card services in the following states: Colorado, Illinois, Kansas, Missouri, and Oklahoma.
To qualify for the card, your business must be within Commerce Bank’s retail lending area, namely: Colorado, Illinois, Kansas, Missouri, and Oklahoma. You can visit the nearest Commerce Bank branch to inquire about the requirements needed to secure a business credit card.
Yes, you may request a credit limit increase for your Commerce Bank Business Rewards Card. Either call (800) 453-2265 or stop by a branch to make a request.
Bottom Line
Commerce Bank Business Rewards Card is a viable option if you want a low regular APR or have an active Commerce Bank savings or checking account. While it doesn’t offer a 0% introductory period on purchases and balance transfers, you can enjoy $0 annual fees and a fixed-rate regular APR. You can also receive unlimited 1% cash back rewards, which you can redeem for airline travel, gift cards, merchandise, and more.
