$150
After you spend $1,000 on purchases on your new card in your first 3 months of card membership.
- 1.5%Everywhere
Annual Fee
$0
Rec. Credit
Good
Commerce Bank
Commerce Bank Secured Visa®
The Commerce Bank Secured Visa® is built for someone rebuilding credit who wants a simple card to keep open, use lightly, and pay on time each month. It is not a rewards card or a benefits card, so its value comes almost entirely from helping establish better credit habits.
Annual Fee
$49
Rec. Credit Score
Rebuilding
Good For
Credit rebuilding
All information about Commerce Bank Secured Visa® has been collected independently by MaxRewards. Commerce Bank Secured Visa® is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Is the Commerce Bank Secured Visa® worth it?
This card is great for...
Rebuilding credit history
Small monthly purchases
Keeping spending controlled
This card makes the most sense for applicants who need a secured card and are focused on credit access first, not ongoing value. If your goal is to put a few charges on the card each month, keep utilization low, and build a record of on-time payments, it can serve that purpose.
The tradeoff is straightforward: you are paying a $49 annual fee for a card with no rewards, no welcome offer, and no listed perks. For many readers, that will be hard to justify if a lower-cost secured card is available elsewhere. This card is worth considering only if Commerce Bank's approval standards or relationship banking fit your situation better than other secured options.
MaxRewards Verdict
A basic secured card for rebuilding credit, not for earning rewards or getting extra features. It fits cardholders who need a simple tool to reestablish credit and are comfortable paying a $49 annual fee for that access.
Eligibility
Recommended Minimum Credit
Min: Poor
Poor
Fair
Good
Excellent
Poor credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Rates & Fees
Annual Fee
$49
Foreign Transaction Fee
None
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Other cards from Commerce Bank
See all 5 cards
- 3%Dining
- 1.5%Everywhere
Annual Fee
$95
Rec. Credit
Excellent
- 2.5%Travel
- 1%Everywhere
Annual Fee
$0
Rec. Credit
Good