Bank · FDIC insured
Commerce Bank Credit Card Rates
Commerce Bank credit cards start at 17.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Commerce Bank’s credit card rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where Commerce Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
Commerce Bank
17.99%APR
- Up to
- 27.99% APR
CommercePremier Visa Signature®
Lowest rate
R-G Federal Credit Union
8.75%APR
- Up to
- —
2nd-lowest rate
1st MidAmerica Credit Union
8.90%APR
- Up to
- —
Commerce Bank credit card score
60
Credit card score
Higher than 2% of U.S. banks and credit unions
- Purchase APRPurchase APR17.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Commerce Bank ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Commerce Bank Secured Visa®
Application in branch. Requires a refundable security deposit of $400 minimum (up to $5,000 maximum) held in an FDIC-insured Secured Savings Account, which earns interest and matches the revolving credit line.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 21.74% | $49 | Variable APR on purchases and balance transfers. Additional deposits to increase credit line must be in increments of $100. |
Sources (3)
- commercebank.com/personal/cards
- commercebank.com/personal/cards/credit-cards
- commercebank.com/personal/card…redit-cards/secured-visa
All captured Oct 16, 2026
Commerce Miles® Travel Credit Card
Good to Excellent Credit required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory APR for the first 12 billing cycles (12 months from account opening) on purchases. May end early and Penalty APR may apply if minimum monthly payment is not made within 60 days of payment due date. |
| Ongoing | 18.74%–28.74% | None | Variable APR applies after introductory period. |
Sources (3)
- commercebank.com/personal/cards
- commercebank.com/personal/cards/credit-cards
- commercebank.com/personal/card…dit-cards/commerce-miles
All captured Oct 16, 2026
CommercePremier Visa Signature®
Exclusive to Commerce Premier Members.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.99%–27.99% | None | Variable APR of 17.99% - 27.99% on all purchases and balance transfers. |
Sources (1)
- commercebank.com/personal/card…it-cards/commercepremier · captured Oct 16, 2026
Kansas City Royals™ Mastercard®
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory APR for 12 months from account opening on all purchases and balance transfers. May end early and Penalty APR may apply if minimum monthly payment is not made within 60 days of payment due date. |
| Ongoing | 18.74%–28.74% | None | Variable APR applies after introductory period. |
Sources (2)
All captured Oct 16, 2026
Special Connections® Low Intro APR Credit Card
Good to Excellent Credit required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory APR for the first 12 billing cycles (12 months from account opening) on purchases and balance transfers. May end early and Penalty APR may apply if minimum monthly payment is not made within 60 days of payment due date. |
| Ongoing | 18.74%–28.74% | None | Regular variable APR applies after introductory period. |
Sources (3)
- commercebank.com/personal/cards
- commercebank.com/personal/cards/credit-cards
- commercebank.com/personal/card…ards/special-connections
All captured Oct 16, 2026
Special Connections® Premium
25% bonus when redeeming Cash Back to myRewards Savings account. 1% foreign transaction fee. Apply in branch.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.74%–28.74% | None | Variable APR on all purchases and balance transfers. |
Sources (1)
- commercebank.com/personal/card…cial-connections-premium · captured Oct 16, 2026
toggle® Cash Back Credit Card
Good to Excellent Credit required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.74%–28.74% | None | Variable APR. |
Sources (3)
- commercebank.com/personal/cards
- commercebank.com/personal/cards/credit-cards
- commercebank.com/personal/cards/credit-cards/togglecard
All captured Oct 16, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.