USES

toggle® from Commerce Bank Review

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

Updated December 11, 2023
Advertiser Disclosure Our Methodology
Commerce Bank toggle®
Apply now
Our Rating:
3.73 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5% Cash Back on every purchase (Cash Back applied as a statement credit).
  • Intro Offer:
    • $150 Cash Back bonus when you spend $1,000 on purchases within your first 3 months after account opening.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    None
  • Regular APR:
    19.49% - 30.49% Variable
  • Balance Transfer APR:
    19.49% - 30.49% Variable
Show more

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Commerce Bank toggle® Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
1.5%
All purchases
$
Have you already recieved the Commerce Bank intro bonus?
Calculate
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All benefits

  • Cash back
    • 1.5% On every purchase (Cash Back applied as a statement credit).
  • Travel
    • Cell Phone Protection Visa® Benefit:
    • Have peace of mind with complimentary, built-in Cell Phone Protection – up to $200 per claim.
    • Travel and Emergency Assistance Services:
    • Travel and Emergency Assistance Services are made available to help You in case of an emergency while You are traveling away from home.
    • Roadside Dispatch®:
    • Roadside Dispatch is a pay-per-use roadside assistance program. The program provides you with security and convenience wherever your travels take you.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 19.49% - 30.49% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • 19.49% - 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
  • No Intro APR period

Features

Classic
Visa
Contactless
  • No Annual Fee
  • Cashback
  • Payment Flexibility
  • Fraud Protection
  • Rewards
  • Purchase Protection
  • 24/7 Travel Assistant
  • 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

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Recommended credit score
score
Excellent (740-799)
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    Annual Fee
  • 18.49% - 24.49%
    Regular APR
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    Cash Back on hotels and rental cars booked through Capital One Travel.
  • None
    Purchase Intro APR
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Fair credit
QuicksilverOne Capital One
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Recommended credit score
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Fair to Good (580-739)
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    Regular APR
  • 1.5%
    Cash Back on every purchase.
  • None
    Purchase Intro APR
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Recommended credit score
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No Credit History
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    Annual Fee
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    Regular APR
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    Cash Back on all purchases.
  • None
    Purchase Intro APR
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See Another Credit Cards in the Bank

Commerce Bank toggle® is an option for those, who need Classic features. With an APR of 19.49% - 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 toggle® you will get such features as No Annual Fee, Cashback, Payment Flexibility, 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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