| Rewards | Earn 2.5× miles per $1 spent on travel purchases, including airline tickets, hotels, and rideshares. Earn 1× mile per $1 on all other purchases |
|---|---|
| Signup Bonus | None |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | 30.49% variable — interest starts immediately on cash advances (no grace period). |
| Cash Advance Fee | Either?5% of the amount of each cash advance or $10, whichever is greater. |
| Late Payment Fee | Up to $40. |
| Purchases APR | 19.49%?–?30.49% variable (after the 0% intro APR period) |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Commerce Bank Miles® Credit Card stands out for its travel-focused rewards and no annual fee. Cardholders earn 2.5× miles on travel purchases and 1× mile on everything else, with miles redeemable for flights, hotels, car rentals, and more. It also has no foreign transaction fees, making it convenient for international travelers.
Most users say they like the simplicity of earning miles without complicated tiers or blackout dates. Many reviewers mentioned that redeeming miles is straightforward and flexible, and the no-annual-fee structure makes it easy to hold the card long-term. Cardholders also appreciate that it pairs well with everyday travel spending like rideshares, hotel stays, and airfare.
On the downside, some users mentioned the high APR if balances aren’t paid in full, and the lack of a signup bonus is a drawback compared with other travel cards. Others noted that the rewards on non-travel purchases are modest, so it’s not a great everyday spending card unless travel is a big part of your budget.
Personally, I think this card is best for frequent travelers who want a simple, no-fee way to rack up miles on travel purchases. It’s less ideal for those looking for large signup bonuses or generous rewards on groceries and other everyday expenses.
RATE THIS CREDIT CARD
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Bro sorry, but some error occurred :O
J
Underwhelming Rewards, Overly Confusing
I tried this card for travel perks, but the rewards felt weak and hard to track. Phone support gave mixed answer, and I often forgot to maximize benefits. Not the effort for frequent flyers like me.
A
Helpful for Travel
I earn miles through flights and hotels which eventually help reduce travel costs. The online account is easy to use.
