Commerce Bank toggle® Card
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Card network
- Visa
- Regular purchase APR
- 19.49% to 30.49% variable based on creditworthiness and the Prime Rate
At a glance
The toggle® Card from Commerce Bank is a cash back rewards credit card that syncs to your existing Commerce Bank checking account. The card earns unlimited 1.5% cash back on every purchase. There is no annual fee and cardholders also can earn unlimited cash back.
Our review of the Commerce Bank toggle® Card
The Commerce Bank toggle® Card is a versatile rewards credit card designed to help cardholders save on everyday purchases. With unlimited cash back on everything from gas and coffee to ride shares and fast food, this Midwestern bank’s offering is a game-changer.
How Does toggle® Work?
Commerce Bank touts the toggle® Card as a unique approach to cash back, and they deliver. By connecting to an existing Commerce checking account, cardholders can set up autopay on select purchases to reduce their statement balance and keep credit utilization low. The toggle tool lets customers decide before the statement reflects new charges, providing unprecedented control.
– Pay Now
Allows customers to specify purchases they want immediately paid from their checking account to avoid interest. By turning the toggle switch to the ON position, customers can pay for groceries and gas instantly.
– Pay Later
Lets customers manage designated credit card transactions as usual, choosing to pay later by turning the toggle switch to the OFF position.
– Unwind
Enables customers to move a Pay Now purchase back to the credit card account for future payment. This flexibility is unmatched and grants ultimate control over finances.
$150 New Cardholder Offer
New toggle® Card accounts enjoy a $150 cash back bonus after spending $1,000 on purchases within the first three months. This generous welcome bonus is easy to achieve, requiring just $333 per month for the initial three months.
Unlimited Cash Back on All Purchases
The Commerce Bank toggle® Card earns an unlimited 1.5% cash back on all purchases, simplifying rewards and eliminating the need to track merchant codes meticulously.
How to Redeem Rewards
Cardholders can redeem rewards for a variety of options, including airfare, hotel vouchers, gift cards, statement credits, and more.
toggle® Visa Card
- Rewards: 3% cash back at coffee shops, fast food, and ride shares; 2% cash back on gas and restaurant purchases; 1% back on all other purchases
- Annual Fee: $0
- Intro APR: N/A
Special Connections® World Elite Mastercard®
- Rewards: Unlimited 1.5% cash back on all purchases
- Annual Fee: $0
- Intro APR: N/A
Annual fee $95
- Rewards: Unlimited 3% cash back on dining and at coffee shops; 1.5% cash back on all purchases
- Intro APR: 0% for 12 months on purchases and BTs
Other Card Features
The toggle Card also offers Visa Platinum protections and benefits, including zero fraud liability, emergency card replacement, and more.
Should You Apply for Commerce Bank toggle® Card?
The Commerce Bank toggle® Card is a unique credit card innovation that offers significant value. With its generous cash back rewards and innovative features like the toggle tool, this card is a standout choice for those looking to maximize savings on everyday purchases.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Unlimited 1.5% back on all purchases
- Preset certain vendors or purchase amounts can be set to be paid of instantly (won't increase your card balance)
- No annual fee
Who this card may suit
- Prefer a credit card without an annual fee
- Want a card with a low regular interest rate on purchases and balance transfers
- Want a credit card that earns cash back rewards
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 19.49% to 30.49% variable based on creditworthiness and the Prime Rate |
| Balance Transfer APR | 19.49% to 30.49% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | Either $10 or 5% of the amount of each balance transfer, whichever is greater |
| Cash Advance APR | 30.49% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction Fee | 1% of each transaction in U.S. dollars. 2% of each transaction made in currencies otherthan U.S. dollars |
| Penalty APR | 32.49% variable based on the Prime Rate |
| Late Payment Penalty Fee | Up 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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Commerce Bank toggle® Card
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