USES

BTC Bank Visa® from Commerce Bank Review

BTC Bank Visa® from Commerce Bank — all information about the credit card.

Updated December 11, 2023
Advertiser Disclosure Our Methodology
BTC Bank Visa®
Apply now
Our Rating:
4.44 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3% Cash Back at coffee shops and fast food restaurants, plus on rideshares.
    • 2% Cash Back at gas stations and restaurants.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    1.99% Introductory APR for 6 monthly billing cycles after account opening
  • Regular APR:
    20.49% - 30.49% Variable
  • Balance Transfer APR:
    20.49% - 30.49% Variable
Show more

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Upgrade Cash Rewards Visa®
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14.99% - 29.99%
Regular APR
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Upgrade Triple Cash Rewards Visa® Upgrade
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14.99% - 29.99%
Regular APR
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All benefits

  • Cash back
    • 3% At coffee shops and fast food restaurants, plus on rideshares.
    • 2% At gas stations and restaurants.
    • 1% On all other purchases.

Rate and fee information

  • Purchase Intro APR
    • 1.99% Introductory APR for 6 monthly billing cycles after account opening
  • Purchase APR
    • 20.49% - 30.49% Variable
  • Intro Balance Transfer APR
    • 1.99% Introductory APR for 6 monthly billing cycles after account opening
  • Balance Transfers APR
    • 20.49% - 30.49% Variable
  • APR for Cash Advances
    • 30.49% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 25 days after the close of each billing cycle. You will not be charged any interest on Purchases if you pay the entire balance by the due date each month. You will be charged interest on Cash Advances and Balance Transfers on the transaction date.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • Either $10 or 5% of the amount of each Balance Transfer, whichever is greater
  • Fees for Cash Advances
    • Either $10 or 5% of the amount of each Cash Advance, whichever is greater
  • Penalty Fees
    • 32.49%
  • Late Payment
    • Up to $40
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
Cons:
  • Foreign Transaction Fee

Features

Classic
Visa
  • No Annual Fee
  • Cashback
  • Rewards
  • Good Credit
  • Excellent Credit

About the issuer

Commerce Bank
Commerce Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

Compare with other cards

Divvy Cross River Bank
Divvy
Cross River Bank
4.04 out of 5
Recommended credit score
score
Fair to Excellent (580-799)
  • None
    Annual Fee
  • None
    Regular APR
  • 2x - 7x:
    Points on restaurants.
  • None
    Purchase Intro APR
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3.43 out of 5
Recommended credit score
score
Good to Excellent (670-799)
  • $95
    Annual Fee
  • 19.99% - 29.99%
    Regular APR
  • 5x
    Miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.
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    Purchase Intro APR
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Capital One Walmart Rewards®
Capital One Walmart Rewards® Mastercard®
4.03 out of 5
Recommended credit score
score
Fair to Good (580-739)
  • None
    Annual Fee
  • 19.48% - 29.99%
    Regular APR
  • 5%
    Cash Back at Walmart.com, including pickup and delivery.
  • None
    Purchase Intro APR
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on our partner’s site

See Another Credit Cards in the Bank

Commerce Bank BTC Bank Visa® is an option for those, who need Classic features. With an APR of 20.49% - 30.49% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With Commerce Bank BTC Bank Visa® you will get such features as No Annual Fee, Cashback, Rewards, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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