Overall Score

56.6

Net Monetary Value

44.3

Product Features

55.6

Customer Experience

100.0

Pros & Cons

With the USA Triathlon Visa Rewards Credit Card, users earn unlimited reward points each year, although points expire after five years. In addition to points for all purchases, users earn extra points for every dollar in interest accrued on their monthly balances. Cardholders qualify for Visa Signature benefits, including the concierge service.

  • No Annual Fee
  • Foreign Transaction Fees
  • No Sign-up Bonus

Card Details

Intro Promotions
Intro APR

1.99% APR for 6 Months

Intro Balance Transfer

1.99% Balance Transfer for 6 Months

Credit Needed
Excellent

(720-850)

Ongoing
APR

10.24% – 20.24%

Balance Transfer

10.24%

Annual Fee

$0

Foreign Transaction Fee

1.00%

EMV

Yes

Commerce Bank

Commerce Bank is part of Commerce Bancshares, based in Kansas City, Missouri. The bank serves customers at branches spread across the Midwest and in the West Coast region. Commerce Bank holds merit for being both the largest and oldest bank in Kansas City.

According to statistics from the Consumer Financial Protection Bureau, Commerce Bank received 4 complaints from customers in 2014. That year, the bank addressed 100 percent of complaints in a timely manner and resolved 100 percent of complaints without customer dispute.

Posted on May 30, 2017