Credit Cards
Credit Card Digital Wallets
In a world where everything is digital, your payments should be too. Time is precious. Digital payments provide a quick and simple way to make secure purchases. Each wallet has its own unique security features and provides you with flexibility on how you choose to pay.
Enhance your shopping experience. To enroll, just find and follow the prompts on your smartphone, then take it for a spin! Your world is digital, and now the way you pay is as well. Our Credit Cards support 3 different digital wallet types.
_Logo.svg.png){kind=logo}
Personal Credit Cards
Commercial Bank offers 2 options for personal credit cards so you can choose which one fills your needs the best. Both options come with:
- The buying power of Visa
- Contactless and EMV chip enabled cards
- ApplePay, Samsung Pay and Google Pay Supported
- Visa Zero Liability - you only pay for purchases you have authorized on your card.
- CardValet app to access transaction details, card controls and alerts
Platinum Benefits Card
- No Annual Fee
- 0% APR on purchases and balance transfers for the first 7 billing cycles
- APR is 10% above Wall Street Prime Rate
Cash Back Rewards Card
- $35 Annual Fee
- 1% Cash back on all quilifying purchases with no cap (issued quarterly as a statement credit)
- 0% APR on purchases and balance transfers for the first 7 billing cycles
- APR is 8% above Wall Street Prime Rate
Get Started!
Business Cards
Commercial Bank offers 2 options for business credit cards in addition to a purchase card option so you can choose which one fills your needs the best. All options come with:
- The buying power of Visa
- Contactless and EMV chip enabled cards
- ApplePay, Samsung Pay and Google Pay Supported
- Visa Zero Liability - you only pay for purchases you have authorized on your card.
- SpendTrack app to access transaction details, capture receipts, manage cards and alerts
Platinum Benefits Card
- No Annual Fee
- Manage business expenses 24/7 through SpendTrack
- APR is 12% above Wall Street Prime Rate
Cash Back Rewards Card
- $79 Annual Fee
- 1% Cash back on all quilifying purchases up to $100,000 annually (issued quarterly as a statement credit)
- Manage business expenses 24/7 through SpendTrack
- APR is 10% above Wall Street Prime Rate
Get Started!
Business Purchase Cards (PCards)
Commercial Bank offers Visa® Business Purchasing Cards featuring additional functionality and reporting to effectively manage your business payables and earn a cash rebate. The online account management system allows visibility and control for administrators and provides cardholders the ability to reconcile their charges with the expense management system.
Benefits
Improve efficiency, reduce costs, and have a greater visibility into expenses and procurement.
- Restrict cards at the individual level by merchant category, daily and monthly spend, and much more.
- 24/7 online access allows administrators to add cardholders, MCC codes, increase/decrease spend limits, view approvals/declines, print statements, update profiles, and make payments in real-time.
- Earn cash back rebate on all purchases through a tiered rebate structure.
- Contactless and EMV chip enabled cards
- ApplePay, Samsung Pay and Google Pay Supported
- Visa Zero Liability - you only pay for purchases you have authorized on your card.
Expense Management Software
The ServisFirst Expense Management module offers broad functionality by leveraging advanced capabilities for queries, workflow management, report generation, and data exports.
- Define account code segments including cost centers, departments, or other account ledger indicators to automatically assign to transactions
- Account holders can review, edit, and submit expense reports for supervisors to review.
- Provides program administrators, finance personnel, and travel and purchasing managers extensive spend analysis tools.
- Track out of pocket and mileage expense reimbursements and record on separate reports for audit purposes.
Visa Payables Automation
Streamline the way you pay your suppliers: Visa* processes your account payable files and adjusts limits as needed. A remittance notice is then sent to your supplier, and, after your supplier charges the card, you will receive all reconcile notifications.
Control spending: Visa* can automatically adjust your commercial card limit to match approved invoices, reducing the risk of unauthorized activities.
Optimize cash flow: Since your supplier charges a Visa® account, you do not have to pay until you receive a consolidated bill from your bank.
Cash Back Tiers
$0 - $499,999 annual purchases 0.25%
$500,000 - $4,999,999 annual purchases 0.75%
$5,000,000+ annual purchases 1.00%
Setup Costs
One Time Implementation Fee = $250.00; Annual Card Fee Per Card = $25.00; Late Fee: $25.00; Cash Advance Fee = The greater of $5.00 or 3% of the transaction; Foreign Transaction Fee=2% of the transaction in US Dollars; Additional Sales Draft Request=$5.00; Return Payment Fee=$25.00; Statement Reprint Fee=$5.00