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. It has some of the most competitive redemption options in the industry, giving you 2x and 3x points in select merchant categories after activating Quarterly Bonus Points and 1% cash back on all purchases. It also sets individual credit limits for each employee.
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
- Doesn’t charge annual and foreign transaction fees
- Lower-than-average regular APR at 14.90% variable
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
- Doesn’t charge annual and foreign transaction fees
- Lower-than-average regular APR at 14.90% variable
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 annual percentage rates (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
- Earn unlimited points in selected merchant categories after activating Quarterly Bonus Points, with no limit on the number of points you can earn. You can learn more about this program down below.
- 1% cash back rewards, which you can redeem for airline travel, gift cards, merchandise, and more, with no limit on the number of points you can earn
Cash Back Rewards Explained
Earned cash back rewards will be applied as a statement credit within two business days of your redemption, which can help reduce your balance. Note that despite this, you are still required to pay at least your minimum payment.
Non-cash back redemption items like merchandise, gift cards, and travel may vary.
You can use our calculator to compute the potential cash back rewards you might earn from using the Commerce Bank Business Rewards Card. Just input your projected monthly spending and let our calculator do the rest.
Quarterly Bonus Points
Quarterly Bonus Points, which are under the Commerce Bank Rewards Program, are considered bonus points after making purchases. To redeem these points, you can either go to www.commercebank.com/rewards or call Commerce Bank to convert your points to rewards.
Other than cash back, you can also redeem fuel discounts, travel, gift cards, movie tickets, merchandise, and charity donations. Note that there is no cap on the number of points you can earn.
Commerce Bank Business Rewards Card Features
- Suspicious card activity alert: Cardholders can sign up for suspicious card activity alerts online. After signing up, you’ll receive a text message if a credit card transaction is flagged due to potentially fraudulent activity.
- Employee cards: The card offers 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: This provides you with peace of mind and guarantees 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: You can temporarily block new purchases and ATM withdrawals without interrupting recurring payments.
Commerce Bank Business Rewards Card Fees
APR
- Introductory: N/A
- Purchase: 17.65% variable, depending on the prime rate
- Cash advance: 19.90% variable, depending on the prime rate
- Late payment: 21.99% variable, depending on the prime rate
- Variable rate information: APR is determined monthly by adding 9.90% to the prime rate, which is subject to a minimum rate of 5.00%.
Fees
- Annual: None
- Minimum finance charge: 50 cents
- Foreign transaction: N/A
- 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.
When To Consider Commerce Bank Business Rewards Card Alternatives
You Prefer an Alternative Fixed-rate Cash Back Business Credit Card
Commerce Bank Business Rewards Card does not offer rewards for their new and existing cardholders. If you want a fixed-rate cash back rewards card from an issuer that is present in over 40 states, our recommendation is the Chase Ink Business Unlimited®. Its features and rewards made it our top-recommended small business credit card and our best credit card for new businesses with no credit history.
Ink Business Unlimited® Credit Card
BEST FOR:
Those who want fixed-rate 1.5% cash back on all purchases
Intro APR
0% Intro APR on Purchases
Regular APR
18.49% - 24.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- With interest-free financing option on purchases
- Fixed unlimited cash back on all purchases
Cons
- Does not have interest-free financing option on balance transfers
- Charges high foreign transaction fees
- Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to this card.
- Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
- Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Zero liability protection: Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
- Cellphone protection: Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.
Intro APR
0% Intro APR on Purchases
Regular APR
18.49% - 24.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- With interest-free financing option on purchases
- Fixed unlimited cash back on all purchases
Cons
- Does not have interest-free financing option on balance transfers
- Charges high foreign transaction fees
- Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to this card.
- Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
- Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Zero liability protection: Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
- Cellphone protection: Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.
You Need To Make Significant Purchases or Balance Transfers
Commerce Bank Business Rewards Card does not offer 0% introductory APR on both purchases and balance transfers. If you intend to make significant purchases and/or balance transfers and have no need for rewards, consider the U.S. Bank Business Platinum Card, as it has a long introductory APR period on purchases and balance transfers. This is why it is our most-recommended 0% APR business credit card and top business credit card for balance transfers.
U.S. Bank Business Platinum Card
BEST FOR:
Extended 0% APR period on purchases and balance transfers
Intro APR
Regular APR
17.24% - 26.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good Credit
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 17.24%-26.24%.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- With a long 0% introductory APR period on purchases and balance transfers
- Does not charge annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- Balance transfer fee is charged even during the introductory period
- Needs Excellent/Good credit score to qualify
- SinglePoint® Essentials: SinglePoint® Essentials is U.S. Bank’s one-stop tool for viewing account balances and transaction details, transferring funds between existing U.S. Bank accounts, downloading statements, and making payments.
- Fraud protection: U.S. Bank offers fraud protection to ensure the safety and security of all cardholders. To learn more about U.S. Bank’s fraud protection services, you can set up a virtual appointment, call U.S. Bank, or go to the nearest U.S. Bank branch.
- ExtendPay® plan: This allows you to pay off balances over time by dividing eligible credit card purchases into affordable monthly payments with no interest—you only need to pay a fixed monthly fee.
Visa Spend Clarity: Another tool that cardholders can use to track spending and manage finances is Visa Spend Clarity.
Intro APR
Regular APR
17.24% - 26.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good Credit
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 17.24%-26.24%.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- With a long 0% introductory APR period on purchases and balance transfers
- Does not charge annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- Balance transfer fee is charged even during the introductory period
- Needs Excellent/Good credit score to qualify
- SinglePoint® Essentials: SinglePoint® Essentials is U.S. Bank’s one-stop tool for viewing account balances and transaction details, transferring funds between existing U.S. Bank accounts, downloading statements, and making payments.
- Fraud protection: U.S. Bank offers fraud protection to ensure the safety and security of all cardholders. To learn more about U.S. Bank’s fraud protection services, you can set up a virtual appointment, call U.S. Bank, or go to the nearest U.S. Bank branch.
- ExtendPay® plan: This allows you to pay off balances over time by dividing eligible credit card purchases into affordable monthly payments with no interest—you only need to pay a fixed monthly fee.
Visa Spend Clarity: Another tool that cardholders can use to track spending and manage finances is Visa Spend Clarity.
You Want To Earn Rewards and a Long 0% Introductory APR Period
While Commerce Bank Business Rewards Card offers fixed-rate rewards to its cardholders, it does not offer a 0% introductory APR on purchases and balance transfers. If you want to earn rewards and intend to make significant purchases and/or balance transfers, our suggestion is the U.S. Bank Triple Cash Rewards World Elite Mastercard®. Its premium cash back rewards and long introductory APR period helped it secure a spot in our roundup of the best small business credit cards and best credit cards for new businesses with no credit history.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
0% APR for 15 billing cycles
Intro APR
Regular APR
19.24% - 28.24% (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 $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 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.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- 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.
Intro APR
Regular APR
19.24% - 28.24% (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 $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 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.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- 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.
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 go to your nearest Commerce Bank branch to inquire about the requirements needed to secure a business credit card.
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 an interest-free financing option on purchases and balance transfers, it lets you earn 2x and 3x points in selected merchant categories, with no limit on the number of points you can earn. You can also receive unlimited 1% cash back rewards, which you can redeem for airline travel, gift cards, merchandise, and more.
