Commerce Bank

Commerce Bank is both a bank and a credit card issuer located in the Central United States.  The major center of their operations focuses on the St. Louis, Kansas City, Oklahoma City, Denver, and Central Illinois areas, though the bank also offers extended commercial products from Minnesota to Texas – and all points in between.

They issue a vast array of credit cards with charities, universities, and a variety of other companies and is known for partnering with regional, local-based groups to develop highly targeted co-branded credit cards. One of these partnerships is with mid-Western hotel chain Drury Hotels. This partnership is a match made in heaven, as both entities espouse the typical Midwestern values that continue to attract customers to both of their brands.

What Credit Score Do I Need for a Commerce Bank Hotel Card? 

While Commerce Bank might not be the most prominent name in the credit card industry, that’s not to say that their card offerings aren’t excellent. As such, their credit cards typically require a credit score within the ranges of either Good or Excellent (a credit score of 650 or higher). Compared to other high profile card issuers, their credit cards are much more obtainable and are available to those with mid-range credit scores.  This is also the case with the Drury Rewards Visa which requires a credit score in the high 600’s.

What to Know Before Applying for a Commerce Bank Credit Card 

Commerce Bank, like Comenity Bank, does not seem to have many of the unwritten rules that are typically associated with credit card applications, such as the Chase 5/24 Rule or Bank of America’s 3/12 and 5/12 hard inquiry rules.

What to Do if Your Application is Denied  

If your credit card application is denied, the best course of action is to call their Consumer Loan Underwriting Department, which is their Reconsideration Line.

•  Commerce Bank Reconsideration Line: 800-446-7766

Editorial Disclosure — The opinions expressed on HotelCards’ reviews, blogs, and all other content on or relating to the website are solely those of the content’s author. They are not reflective of any card issuer or financial institution and have not been reviewed or approved by these entities unless otherwise noted. Further, HotelCards lists credit card offers that are updated daily with information believed to be accurate to the best of our knowledge.