A gift card is a great alternative if you think of the perfect present for family and friends. It is also a good payment method if you do not want to settle your purchases in cash. In this Commerce Bank Visa Gift Card review, I will walk you through some of its features and details to decide if it is the right gift card for you.
The Commerce Bank Visa Gift Card is a great alternative to cash, as well as debit and credit cards. You can buy it for personal or business use. You can use it in both online and physical stores that accept visas in the United States. Load the card with any amount from $25 to $1,000. The table below summarizes the fees for using the gift card:
| Inactivity Fee | $5 |
| Reissue Fee for Lost and Stolen Card | $7.50 |
| Cash-Out Fee for Lost and Stolen Card | $15 |
| Online Standard Delivery | $3 for every card |
| Bulk Standard Delivery | $19.99 for every order |
| Online Express Delivery | $19.99 per card |
| Bulk Express Delivery | $35 for every order |
Read on to learn more about the Commerce Bank Visa Gift Card, including its features, as well as some of its pros and cons.
About the Commerce Bank Visa Gift Card
Commerce Bank started with a $10,000 capital when communities started to rebuild after the Civil War. It was built in Kansas City to transform the latter into a financial institution. The bank built a solid reputation providing diverse products to its clients through the years, including credit and debit cards and gift cards.
The Visa Gift Card is one of Commerce Bank’s diverse product offerings. It is a thoughtful gift perfect for all occasions. It is safer than cash and accepted by any merchant that also accepts Visa. More than just a gift, it is also ideal for personal use if you hate carrying cash or using credit and debit cards.
Main Features of the Commerce Bank Visa Gift Card
Below, we’ll have a rundown of some of the main features that you can expect from the Commerce Bank Visa Gift Card:
Multiple Purchase Methods
Whether you want it for yourself or as a gift for other people, there are multiple ways to purchase the card, including the following:
- Go to Commerce Bank: Visit one of the bank’s physical locations if you want to buy this gift card. You can buy it from any teller. You can pay in cash, or you also have the option to settle it through direct debit from your bank account.
- Buy Online: If you are looking for a more convenient way to buy the Commerce Bank gift card, you can do so online. You can also choose from a wide array of designs to suit your personality or the recipient of the card.
Gift Card for Businesses
While you can order the Visa gift card for personal use, there is also an option to purchase it for business. The card will make a nice option for the following:
- Corporate gifts,
- Employee bonuses, and
- Customer rewards.
The best thing is to pick a sentiment and customize the messaging, ensuring that it fits your brand.
Rates and Fees of the Commerce Bank Visa Gift Card
Like other cards, you need to pay several fees, including those we’ll list in this section:
1. Inactivity Fee
After 12 months of inactivity, you will be charged $5 every month. To avoid such inconvenience, make sure to use the card even at least once a year. The bank will not seize your funds, but you need to pay the inactivity fee.
2. Reissue Fee for Lost and Stolen Card
If you lose your card, make sure to call the customer service hotline immediately to request a replacement. They will send a new card, but you must pay $7.50 for such.
3. Cash-Out Fee for Lost and Stolen Card
When you lose your card, you also have the option to cash out any remaining balance instead of requesting a replacement card. When you cash out, however, you need to pay $15.
4. Online Standard Delivery
Buying a new card? You need to pay $3 for every card. This is under standard delivery, which will take five to seven days.
5. Bulk Standard Delivery
Commerce Bank offers an option to buy gift cards in bulk. If you do so, then you will pay $19.99 for the delivery of your orders. The delivery time takes five to seven days.
6. Online Express Delivery
If you want to receive your online orders sooner, then you can request an express delivery. Nonetheless, prepare to pay more as this will cost you $19.99 for every card.
7. Bulk Express Delivery
You can also request express delivery of your bulk orders. In exchange for expediting the delivery, you will pay $35 for every order.
Again, what does the Commerce Bank Visa Gift Card offer? If you’re looking for an alternative to cash, debit, or credit cards, then the Commerce Bank Visa Gift Card is a good choice for you. You can either use it for personal or business use and in online and physical stores. You have to load your card with $25 to $1,000.
Commerce Bank Gift Card Pros and Cons
Is this gift card the right choice for you? To help you decide, this section explores the good and the bad.
Pros of Commerce Bank Visa Gift Card
Here are some of the Commerce Bank Visa Gift Card’s benefits that will compel you to choose this gift card:
1. A Safe Alternative to Cash
It is a benefit that applies to gift cards in general, not specific to this product. If you hate having hundreds of dollars in your pocket, it is better to have one card that you can use for your purchases.
2. Excellent Customer Service
Whether you want to change your PIN or report a lost card, the company offers reliable customer service. This way, you can be confident that someone is immediately available to handle your concern.
3. Visa Acceptance
You can use this gift card in any place that accepts Visa, as long as it is within the United States; whether you are in a physical store or an e-commerce website, this is a great way to pay for your purchases.
Cons of Commerce Bank Visa Gift Card
Despite all the good things about the Commerce Bank card, it also has some drawbacks, including those we’ll talk about below:
1. For Use Only in the United States
This isn’t for you if you’re looking for a gift card that works even in other countries. The terms explicitly state that it is exclusive for use in the United States. Make sure to register the card so that you will have a valid billing address. The latter is a major requirement so that you can use the gift card in the country.
2. Limited Availability
Commerce Bank does not have a wide network as other more popular commercial banks, so it isn’t available in many places. Especially if you will place a bulk order, they are available only in selected states.
3. The Card Is Non-Reloadable
Another shortcoming of this card is that it is non-reloadable. This means that after consuming the entire initial amount, there is no other way to add money. You can load it only once – when you purchase the gift card.
Frequently Asked Questions
Before concluding this review, I will answer some questions that you might have about this gift card:
What Is the Minimum Bulk Order?
You can order the Commerce Bank gift cards in bulk at a minimum of 25 pieces. This is a great option for commercial customers.
How Much Can I Put on the Card?
Whether personal or business use, you can load any amount from $25 to $1,000 on each card.
Does the Gift Card Expire?
Yes, each gift card comes with an expiration date. This is printed on the card. Only the month and the year are shown. It expires on the last day of the month that is printed on the card.
Why Am I Having Problems Purchasing the Gift Card Online?
If you are buying a gift card online, make sure that you use Commerce Bank credit and debit cards as your payment method. More so, you must live within an area that the bank covers. Otherwise, the system will decline your transaction.
Can I Send the Gift Card Directly to the Recipient?
Yes, you can send the gift card directly to the recipient. However, make sure that the value is $200 or less. If it is more, then the only option is to send it to the purchaser’s address.
How do I Check My Balance?
Do not be left clueless about how much money remains in your gift card. You can know such in an instant by calling the bank or logging in to your online account.
What If My Gift Card Was Stolen?
- Report the case immediately.
- Call the customer service hotline and provide the pertinent information, including the account number. In turn, they will cancel the card.
- You have the option to cash out the remaining balance or request a replacement. Regardless, you will have to pay a corresponding fee.
Can I Use My Gift Card as an ATM?
No, you cannot use it as an ATM for on-demand cash withdrawals. You can only use it for paying for eligible purchases and not for cashing out money.
Conclusion: Commerce Bank Visa Gift Card
Whether a present for a friend or as a corporate giveaway, the Commerce Bank Visa is a great option for a gift card. You can load this card with any amount from $25 to $1,000. In turn, it can be used in any merchant in the United States accepting Visa as the payment method. This gift card can be an excellent alternative to cash.
There are plenty of good reasons to choose this gift card, such as the wide acceptance in the country and the reliable customer service. Nonetheless, it also has several drawbacks, such as being usable only in the United States and having no option for reloading.
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