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University of Idaho Rewards Visa® card

University of Idaho Rewards Visa®

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 University of Idaho Rewards Visa is a no annual fee credit card that rewards Vandals’ alumni with points for every purchase. The card, from Commerce Bank, features 3% back on fast food, coffee, and ride shares, and comes with an introductory APR on purchases and balance transfers.

Our review of the University of Idaho Rewards Visa®

University of Idaho Rewards Visa®: A Comprehensive Review

Are you a University of Idaho alum looking to show your school spirit while earning rewards on your everyday purchases? Look no further than the University of Idaho Rewards Visa.

## How to Earn Rewards

With the University of Idaho Rewards Visa, you can earn 3% cash back on coffee shop and fast food purchases, as well as 3% back on rideshares. Additionally, the card offers 2% back on restaurant purchases and gas stations, and 1% back on all other purchases.

Whether you’re grabbing a quick bite to eat or heading out for a night on the town, this card has you covered. The 3% back on fast food and coffee shops, combined with the 3% back on rideshares, makes it the ideal companion for any social outing.

## How to Redeem Rewards

Rewards earned with the University of Idaho Rewards Visa can be redeemed through the Commerce Bank Rewards program. While rewards are earned as points rather than cash back, they can be redeemed for a variety of options including cash back, travel, gift cards, merchandise, fuel discounts, or gifts for friends and family.

Cash back rewards are a popular choice, with points valued at one cent each. Gas discounts are also available, offering savings at select BP locations.

## Special Introductory APR

New cardholders can take advantage of a special introductory APR of 1.99% for the first six months on both purchases and balance transfers. After the introductory period, a competitive variable APR applies.

## Other Card Features

In addition to its rewards program and introductory APR offer, the University of Idaho Rewards Visa also features a foreign transaction fee of up to 2% and a penalty APR. However, Commerce Bank provides a 60-day grace period before assessing the penalty.

## Should You Apply?

If you’re a University of Idaho supporter looking for a rewards card that aligns with your school spirit, the University of Idaho Rewards Visa is an excellent choice. With no annual fee and rewards on everyday purchases, this card is a valuable tool for Vandals fans everywhere.

Whether you’re on campus, at a game, or out with friends, the University of Idaho Rewards Visa offers a unique rewards program and competitive APR. Don’t miss out on the opportunity to show your school pride while earning rewards on your purchases. Apply today!

Card features

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

  • No annual fee
  • 3% back on fast food, coffee shop, and rideshare purchases
  • 2% back on gas and restaurants
  • 1% back on all other purchases
  • Rewards expire after 3 years

Who this card may suit

  • You're a University of Idaho alumnus
  • You want a no-annual-fee card to use for everyday purchases
  • You frequently use rideshare services like Uber or Lyft"

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 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 advance, whichever is greater
Foreign Transaction Fee1% of each transaction in U.S. dollars; 2% of each transaction made in currencies other than U.S. dollars
Penalty APR32.24% variable based on 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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University of Idaho Rewards Visa®

Apply Now for University of Idaho Rewards Visa® (opens in a new tab)

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