| Rewards | you get 5% off Anvil Brand purchases when you use the card. |
|---|---|
| Signup Bonus | None. |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | 26.24% (variable) |
| Cash Advance Fee | Either $10 or 5% of the cash advance amount, whichever is greater. |
| Late Payment Fee | Up to $37 |
| Purchases APR | 15.24% to 21.24% (variable, depending on creditworthiness). |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
The Anvil Brand Visa Credit Card is a no-annual-fee card designed mainly for shoppers who regularly buy from Anvil Brand. Instead of a traditional rewards program, the big draw is a permanent 5% discount on Anvil Brand purchases, plus the ability to use the card anywhere Visa is accepted. There’s no published signup bonus, so the value is really tied to brand loyalty rather than upfront perks.
Most users say they like the straightforward discount, especially if they frequently buy farrier tools, horseshoes, or work gear from Anvil Brand. Many reviewers mentioned that Commerce Bank’s customer service is generally helpful and that the purchase APR is reasonable compared to other store-linked cards.
On the downside, people often complain that the rewards are limited, since benefits don’t extend beyond Anvil Brand purchases. Some note that the card doesn’t offer extras like cashback categories, travel perks, or introductory bonuses. Others point out that the cash-advance APR and fees are high, making it a poor choice for anything beyond regular purchases.
Personally, I think this card is best for loyal Anvil Brand customers who want a simple way to save on recurring orders. If you’re looking for versatile rewards or broader value, a general cashback card will likely serve you better.
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