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AACS Visa® Card card

AACS Visa® Card

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
None
Recommended credit
Excellent / Good
Card network
Visa
Intro purchase APR
1.99% for 6 months from account opening date
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

The AACS Visa® Card presents a no-frills credit card opportunity for those who want to save money while showing support for Christian education. Featuring exceptional pricing and benefits, it allows cardholders to promote their Christian values by donating a portion of net purchases to Christian education and the American Association of Christian Schools (AACS).

Our review of the AACS Visa® Card

The AACS Visa® Card may not have flashy rewards or signup bonuses, but it packs a punch as a financial tool. Designed for those who support Christian education, this card offers competitive interest rates and minimal fees.

Support Christian Education with the AACS Visa® Card

If you want a credit card that gives back to the community and aligns with your values, the AACS Visa® card is worth considering. Every time you make a purchase, Commerce Bank donates $0.50 to the AACS for every $100 spent. This card helps the AACS in their mission to provide quality Christian education programs.

Competitive Rates and Fees from the AACS Visa® Card

The AACS Visa® Card comes with cost-saving perks like no annual fee and a special introductory APR of 1.99% for the first six billing cycles. This introductory APR is applicable to both purchases and balance transfers, making it easier for cardholders to manage their debt.

Manage Your AACS Visa® Card

With a free online account, monitoring your spending with the AACS Visa® card is convenient and efficient. Receive alerts for suspicious activity, access cash through Special Connections™, and set up autopay to never miss a payment.

Should You Apply for the AACS Visa® Card?

The AACS Visa® Card is ideal for those who support Christian education and want to contribute to the AACS with every purchase. While it offers competitive rates, it may not be the best fit for consumers seeking rewards or lower APRs. Consider other options like the Blue Cash Everyday® Card or Union Bank Visa® Credit Card for additional benefits.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • Promote Christian Education
  • For every $100 in net merchandise purchases made with this card, Commerce Bank donates $0.50 to AACS
  • No annual fee
  • Competitive interest rates for purchases and balance transfers

Who this card may suit

  • Those who want to support Christian education
  • You do't want a credit card with the added cost of an annual fee
  • You will take advantage of a competitive regular purchase APR and an introductory APR period
  • You want to save money on existing debt by transferring a balance towards smaller interest charges

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual FeeNone
Intro Purchase APR1.99% for 6 months from account opening date
Regular Purchase APR20.24% to 30.24% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR1.99% for 6 months from account opening date
Balance Transfer APR20.24% to 30.24% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction FeeEither $10 or 5% of the amount of each Balance Transfer, whichever is greater
Cash Advance APR30.24% variable based on the Prime Rate
Cash Advance Transaction FeeEither $10 or 5% of the amount of each Cash Advance, whichever is greater
Foreign Transaction Fee% of each transaction in U.S. dollars. 2% of each transaction made in currencies other than U.S. dollars
Penalty APR32.24% variable with the Prime Rate
Late Payment Penalty FeeUp to $40

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.

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AACS Visa® Card

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