How to Apply for the Commerce Bank Miles Credit Card

Ahoy frequent travelers. If you’ve found this page within the deepest confines of the web it means one thing: you are at least partially interested in applying for the Commerce Bank Miles Credit Card. This card, like all Commerce cards, offers a 6 months 0.00% introductory APR and a decent rewards program. If you are looking to apply you will find the process simplified just below.

Before applying always make sure to read over the bank in question’s privacy policy to insure that your information is being properly protected. Commerce Bank’s Privacy Policy is available here for your convenience.


You must meet the following requirements if you wish to get those miles rewards on your new credit card:

  • Be at least 18 years of age
  • Have a valid US street address
  • Have a valid SSN

How to Apply

The secure application page can be found from a page Commerce has set up summarizing the Miles Credit Card’s benefits here. If the card still appeals to you follow the  apply online link and begin the application.


Step 1- Terms and Conditions

Commerce Bank generously provides the terms and conditions at the start of the application, unlike most banks, to give you the chance to look them over before entering all of the information that will be required. It’s a good idea to read through the fine print to ensure that you understand the billing and fee structure of the card. If it all looks good continue by selecting I Agree link.


Step 2- General Information

Commerce requires the following personal information to be submitted here:

  • Full name
  • Address
  • Phone number
  • Email address
  • Duration at address
  • Date of birth
  • SSN
  • Mother’s maiden name



Step 3- Employment and Financial Information

In order for Commerce to determine your creditworthiness, and thus your APR, they will need to construct a financial profile for you. In order for them to do that they will need the following information:

  • Occupation
  • Employer
  • Time with employer
  • Work phone number
  • Total annual income
  • Other income
  • Housing status
  • Monthly housing payment
  • Nearest relative full name / relationship


Step 4- Additional Questions

You must alert Commerce at this point if you have declared bankruptcy in the last ten years and/or if you are not a permanent resident of the US.


Step 5- Final Questions

There are a few miscellaneous options available at this, the final page of the application. The first is in adding a co-applicant which, if you opt to do so, will require the input of their personal information. The second is to perform a balance transfer from another credit card, an action that comes with its own fees and APR. The third is to link the card to a commerce checking/savings account, and the fourth is to purchase overdraft protection. All of these actions are purely optional. Finally, read through the disclosures and click submit to await your evaluation.