The Commerce Bank is a business credit card from Commerce Bank. The annual fee is No annual fee. The ongoing APR is 18.74% - 28.74% after a 0% intro APR introductory rate for 12 months. Approval typically requires a credit score of 750 or higher. Rewards: up to 4% Cash Back in top categories every day. Cash back: up to 4%. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Primary bureau pull: Experian per community data.