USES

FLW Visa® Rewards from Commerce Bank Review

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

Updated December 11, 2023
Advertiser Disclosure Our Methodology
Commerce FLW Visa® 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 fast food, coffee shop, and ridesharing purchases.
    • 2% Cash Back on dining and gas.
    • 1% Cash Back on everything else.
  • Intro Offer:
    • $50 FLW Gear Card when you make $500 in Net Merchandise Purchase within the first 90 days after account opening.
  • 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 FLW Visa® Rewards Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
3%
Rideshare
$
2%
Gas
$
2%
Dining
$
1%
All other purchases
$
Have you already recieved the Commerce Bank intro bonus?
Calculate
Show less details

All benefits

  • Cash back
    • 3% On fast food, coffee shop, and ridesharing purchases.
    • 2% On dining and gas.
    • 1% On everything else.

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

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Recommended credit score
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Fair to Excellent (580-799)
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    Annual Fee
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    Regular APR
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  • None
    Purchase Intro APR
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    Annual Fee
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    Regular APR
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  • 0% Introductory APR for the first 15 months that your account is open
    Purchase Intro APR
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Recommended credit score
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    Miles on hotels, vacation rentals, and rental cars booked through Capital One Travel.
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See Another Credit Cards in the Bank

Commerce Bank FLW Visa® 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 FLW Visa® Rewards 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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