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Commerce Bank Miles Credit Card Review [Updated 2021]

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Do you know about Commerce Bank Miles Credit Card? No, it is a card issued by commerce bank which makes it easier to earn rewards on your purchases to travel. Commerce bank miles credit card has no foreign transaction fees, no annual fees, and no blackout dates or you can redeem with any hotel, airline, car rental or cruise line there is no booking restriction. you can get up to 3% cash back on select purchases, 2% on wide-range purchases, and 1% other things.

To apply commerce bank miles credit card you should be eligible, you should have excellent credit. So if you don’t have good credit history then you should start building your credit to apply for miles credit card. If you are planning to get miles credit card but are confused about what to do then don’t worry.

Today in this article we will review Commerce bank miles credit card which will help you to know everything about miles cards and additional information you should know about mile cards with advantages and disadvantages. So, stay with us and read the full article to get a full review and choose a miles card.

Miles Credit Card Summary

Miles Credit Card is a reward card for travel purchases. you can get up to 3% cash back on select purchases, 2% on wide-range purchases, and 1% other things. And you can transfer the balance for 12 months with 0% introductory APR and after 12 months APR is up to 12.24% to  25.24% which is based on creditworthiness and a $0 annual fee for a connections card.

Key Features of Commerce Bank Mile Credit Card

First of all, let’s see what are the key features that you will get on Commerce bank miles credit card. Below are the features that you will get on a miles card.

Earning Rewards

Using the Commerce bank miles credit card you will earn rewards and cashback. You will get up to 1% – 3% cashback according to the purchase on travel. If you are a traveler and love to travel then miles credit card will be helpful for you. You can get cash back on every purchase you make for travel using the miles credit card (For ex: cashback on select, wide-range purchases, and other purchases).

Redeeming Rewards

Using the Commerce bank miles credit card we can redeem accumulated rewards for cashback gift cards, airfare, general merchandise at a cash redemption flat of $0.01.

Introductory APR

This is really cool, on miles credit card you can transfer the balance for 12 months with 0% introductory APR and after the 12 months, APR is up to 12.00% to  25.00% which is based on creditworthiness.

Regular APR

After the first 12 months, APR is up to 12.00% to  25.00% which is based on creditworthiness and interest rate, which is a regular APR. Advance APR is 27.00% from the time you open your account and get the miles credit card. And penalty APR is 28.50% if you didn’t make the payment by the date.

Concierge Service

Commerce bank miles credit card gives 24/7 concierge service Via signature concierge for its users. Concierge helps to get a hard reservation, complex travel, and advice for ou next travel or vacation.

So, if you want to make your next travel fun then you should get miles credit card.

Important Fees

Commerce bank miles credit card has no foreign transaction fees, no annual fees, and no blackout dates or you can redeem with any hotels, airlines, car rental, or cruise line there is no booking restriction

But you have to pay 1% for dollar-denominated transfers and 2% for foreign currency. And you have to pay up to more than 5% or 10 dollars and the late payment fee is  37 dollars.

Free FICO Score

FICO stands for Fair Isaac Corporation, and FICO credit reports to assess credit risk and determine whether to increase the credit or not.

On Commerce bank miles credit card, you will get a free FICO score according to your credit card monthly statement. You will also get all the detailed information about what is your score and whether that will affect your credit or not.

Additional Benefits

Using the miles credit card you will get multiple credit card benefits, which include free-handed credit card points. [Examples: Emergency support, Rental Insurance, Fraud Protection, Protection on Purchase, etc.]

Pros and Cons of Commerce Bank Mile Credit Card

Every bank and its credit card has pros and cons according to the user’s review. Similarly today we have mentioned all the pros and cons that we found on Commerce bank miles credit card. We don’t say this is the fact but some users might think it’s not an advantage or disadvantage. So, just have a look and comment what you think.

Advantages of commerce bank mile credit card

So let’s start with the pros, the advantages you will get on Commerce bank miles credit card are as follows;

  • No annual fees.
  • No foreign transaction fees.
  • Decent  Introductory APR.
  • You can redeem with any hotels, airlines, car rental, or cruise line there is no booking restriction.
  • Frequent travelers concierge service.
  • Multiple Credit Card Points.
  • Emergency support, Rental insurance, Fraud protection, and Protection on purchase
  • Cash Back up to 1% to 3%, depending upon purchase.
  • Generous Fringe Benefits.

Disadvantages of commerce bank mile credit card

The disadvantages you will get on Commerce bank miles credit card are as follows;

  • No Bonus on Sign-up.
  • High charge on balance transfer (5%)
  • Hard to apply, needs a good credit record.
  • Only available in few states.
  • Mediocre earning rate.

In Conclusion

Lastly, if you are a traveler and love to travel then let me suggest that you should have a one-mile credit card, make sure you choose the best miles credit card for you which will help you in your every travel vacation. If you don’t know what is mile credit card then you can go to the introduction section to know about what is miles credit card is and what does it do. And if you are here to know and get a review on miles credit card then this article is for you.

Here in this article, we have mentioned all the important information you should know before selecting your miles credit card, besides we have mentioned the advantages and disadvantages of Commerce bank miles credit card. We hope this article is clear to understand.

Besides if you have any questions or suggestions regarding this article then don’t hesitate to comment on your question in the comment section below. We are always here to solve your problem.

And for more helpful guidance on any finance-related queries, you can also go to the Finance Tips from our official website Online Help Guide.

Thank You.

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