The Commerce Miles® Credit Card is a compelling option for those who love to travel or simply want to maximize their everyday spending. With a standout offer of unlimited 2.5X miles on all travel purchases, including rideshares, this card appeals to frequent flyers, road trippers, and even occasional travelers. Cardholders also earn 1X mile for every non-travel purchase, meaning every transaction helps you get closer to your next adventure.

New cardholders can enjoy the added benefit of a 0% introductory APR for the first 12 months on all purchases. After this period, a variable APR of 19.49% – 29.49% applies based on your creditworthiness. Impressively, there is no annual fee and no foreign transaction fees, making this card wallet-friendly for both regular spending and international getaways.

Zero liability protection and built-in cell phone coverage up to $200 per claim add an extra layer of security and value, ensuring your peace of mind while traveling or shopping. No blackout dates or travel restrictions further simplify redeeming your miles—use them with any airline, hotel, cruise line, or rental car company.

How to Apply for the Commerce Miles® Credit Card

• Visit the Commerce Bank website or a local Commerce Bank branch.
• Select the Commerce Miles® Credit Card application.
• Complete the required personal and financial information form.
• Submit your application for review.
• Upon approval, receive and activate your card.

Pros: Why Choose Commerce Miles® Credit Card?

One of the biggest advantages is the unlimited earning potential. You’ll receive 2.5X miles on all travel categories, without worrying about caps or expiration dates. This makes it extremely easy to stack up miles for both major vacations and everyday journeys.

No annual fee and no foreign transaction fees mean you can keep costs down, whether you’re making purchases at home or abroad. Added bonuses such as cell phone insurance and zero liability protection provide cardholders even more confidence and protection.

Cons: Points to Consider

The variable APR after the intro period can be on the higher side, ranging from 19.49% up to 29.49%. Those who may carry a balance should be mindful of potential interest charges.

Rewards are attractive, but some may prefer a card with more flexibility in point redemption such as cash back options. Additionally, approval depends on your creditworthiness and some may not qualify for the lowest APR.

Final Verdict: Is the Commerce Miles® Credit Card Right for You?

The Commerce Miles® Credit Card is an excellent choice if you value high rewards on travel spending and appreciate not having to pay an annual fee. Its generous introductory APR offer and lack of foreign transaction fees make it even more attractive for travelers. While not perfect for everyone, those who want to maximize travel rewards without unnecessary costs should seriously consider this credit card.