Commerce Bank
Earn up to 1.5% cashback at Commerce Bank .
Pay with a virtual card and earn cashback.
Featured offer terms
Get 1.5% cashback on your purchases at Commerce Bank .
Offer valid while supplies last.
Offers are subject to change - check here before purchasing.
Commerce Bank, founded in 1865 and headquartered in Kansas City and St. Louis, Missouri, is a regional bank holding company (Commerce Bancshares) with over 140 branches serving more than 800,000 households across Missouri, Kansas, Illinois, Oklahoma, and Colorado. It offers personal and business banking, wealth management, and was named to Forbes' 2025 America's Best Banks list.
Use Fluz to maximize rewards on your Commerce Bank payments. Instead of paying your loan, credit card, or mortgage bill directly, buy a Fluz gift card for the amount due and use it toward your payment, earning cashback on money you already owe. Fluz stacks with other rewards programs, so you can layer this cashback on top of your Commerce Bank Visa rewards. It's a simple way to turn a routine Midwest bank payment into extra savings, with cashback credited straight to your Fluz wallet.
Fluz has processed 26 transactions at Commerce Bank . The next time you pay at Commerce Bank , use Fluz to earn cashback.
What is a Fluz virtual card?
A Fluz virtual card is a digital-only payment card that comes with its own card number, expiration date, CVV, and billing address.
How does cashback work for my Fluz virtual cards?
You earn up to 1.5% cashback on Fluz Virtual Card purchases (sometimes more based on the merchant's offer) with no fees, credit checks, or minimum spend required.
What do I need to do before creating my first virtual card?
Verify your Fluz account by completing identity verification (KYC) and link a bank account to fund purchases.
Where can I use my Fluz Virtual Card, and how do I pay?
Anywhere Mastercard/Visa is accepted, including online and in-store via Apple Pay or Google Pay. If asked, Fluz virtual cards use the same PIN as your Fluz account.
How is my card funded, what are the limits, and when am I charged?
You can fund purchases with your Fluz balance or a linked bank account. You can set a card limit when generating a card, but you're only charged for the amount you actually spend.
Is the Fluz virtual card secure?
Yes. Your card details are protected with Face ID, PIN, or 2FA, and you can lock, unlock, or freeze cards anytime, with additional security controls and real-time alerts.