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Central Michigan University Visa Signature® Rewards from Commerce Bank Review

Central Michigan University Visa Signature® Rewards from Commerce Bank — all information about the credit card.

Updated December 11, 2023
Advertiser Disclosure Our Methodology
Commerce Bank Central Michigan University Visa Signature® Rewards
Apply now
Our Rating:
4.8 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3% Cash Back on rideshares, fast food, and coffee.
    • 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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Commerce Bank Central Michigan University Visa Signature® Rewards Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
3%
Rideshare
$
2%
Gas
$
2%
Dining
$
1%
All other purchases
$
Calculate
Show less details

All benefits

  • Cash back
    • 3% On rideshares, fast food, and coffee.
    • 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
  • Intro APR period
Cons:
  • No welcome bonus
  • Foreign Transaction Fee

Features

Classic
Visa
  • Low interest
  • No Annual Fee
  • Cashback
  • Fraud Protection
  • 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

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Commerce Bank Central Michigan University Visa Signature® Rewards 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 Central Michigan University Visa Signature® Rewards you will get such features as Low interest, No Annual Fee, Cashback, 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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