| Last updated on October 18th, 2023
FLW Visa® Rewards Card
FLW Visa® Rewards Card
FLW Visa® Rewards Card
- 20.49% to 30.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.49% to 30.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 30.49% variable based on the Prime Rate Cash Advance APR
- 1.99% for 6 months from account opening date Intro Purchase APR
At a Glance
The FLW Visa® Rewards Card is co-branded with Fishing League Worldwide. It offers new cardholders free FLW membership for a year once they make their first purchase. New cardholders also receive a $50 FLW Gear Card when they spend $500 within the first 90 days of opening an account. As well, this card earns cardholders 3% cash back on fast food, coffee shop, and rideshare purchases. Additionally, cardholders earn 2% cash back on dining and gas, as well as 1% on everything else.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn 3% cash back on fast food, coffee shop, and ridesharing purchases
- Earn 2% cash back on dining and gas, and 1% cash back on everything else
- Receive a free FLW membership and all sorts of FLW perks
- Intro Purchase APR: 1.99% for 6 months from account opening date
- Regular Purchase APR: 20.49% to 30.49% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 1.99% for 6 months from account opening date
- Balance Transfer APR: 20.49% to 30.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 30.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Penalty APR: 32.24% variable based on the Prime Rate
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars; 2% of the transaction amount in other currencies
- Late Payment Penalty Fee: Up to $40
- You love to fish and want to be a FLW member
- You spend a lot of money on fast food, coffee, and ridesharing and want to earn 3% cash back on those purchases
- You want to earn 2% cash back on restaurant and gas station purchases and 1% on everything else
- You would like to take advantage of a lower APR for 6 months on purchases and balance transfers
The FLW Visa® Rewards Card Review
The FLW Visa® Rewards Credit Card is a card from Commerce Bank that features the FLW logo. FLW is the acronym for Fishing League Worldwide, the world’s largest tournament-fishing organization. The no annual fee rewards card offers a huge assortment of perks for fishing lovers.
Complimentary One-Year Fishing League Worldwide Membership – & More
New cardholders get a free one-year membership to this organization when they sign up for this card. And membership includes a laundry list of perks. That complimentary membership, now known as Major League Fishing Bass Fishing Membership, is valued at around $95 annually, meaning you’ll get a ton of great perks that mesh with your love of fishing:
| Fishing League Worldwide membership includes the following perks: | |||
|---|---|---|---|
| Free FLW logo hat | Free lure or package of soft plastics | Members-only online content | Members-only tackle giveaways |
| 10% off FLW gear | Monthly newsletter | FLW vehicle decal | 10% off with Liberty Mutual |
| Additionally, cardholders receive the following with their complimentary FLW memebrship: | |||
| FLW Bass Fishing Magazine | Members receive 8 issues of FLW Bass Fishing magazine – the bestselling fishing publication on newsstands nationwide – delivered to your home | ||
| FLW Digital | Members also get 8 digital issues of FLW Bass Fishing magazine, including online archives | ||
| VIP Access | Members enjoy 8 digital issues of FLW Bass Fishing magazine, including online archives | ||
| Fantasy Fishing | Fantasy Fishing Members Advantage tools – win up to $5,000 per Tour event! | ||
New cardholders also earn a $50 FLW Gear Card when they spend $500 on purchases with their new card within the first 90 days of opening an account.
How to Earn Rewards
The FLW Visa offers a similar reward structure to other Commerce Bank cash back rewards credit cards. This structure means you’ll earn up to 3% cash back on the following everyday type purchases:
| Categories | Explained | ||
|---|---|---|---|
| 3% cash back on Streaming, Cable and Ridesharing | When card is used for purchases in the streaming, cable or the ridesharing and taxis categories, including: Cable, Satellite & Other Pay TV/Radio;Record Shops; Digital Goods; and Amazon Services. The cable category does not include Google Fiber. Merchants self-select category, so not all merchants will earn additional bonus – notable exclusions include Amazon Streaming, Pandora and YouTube Music/TV. | ||
| 2% cash back on Gas, Restaurants, Fast Food | When card is used for purchases in the service station or automated fuel dispensers, restaurant, fast food restaurant, and drinking places categories. | ||
| 1% cash back on All Other Purchases | When card is used to make purchases in any other category. Merchants self-select category, so not all merchants will earn additional bonus. | ||
Fishing and Outdoors Credit Card Comparison
There are several retail credit cards aimed at the avid outdoorsman and lovers of fishing. Here is how the FLW/MLF Visa Rewards compares with another option from Capital One:
| FLW Visa® Rewards Card | Bass Pro Shops® CLUB Card | Cabela's CLUB® Card | |
|---|---|---|---|
| Annual fee | $0 | $0 | $0 |
| Rewards | 3X on streaming, cable, & rideshares; 2X on gas and dining; 1X on all else | 2% back on Bass Pro Shops or Cabela’s purchases; 1% on all else | 2% back on Bass Pro Shops or Cabela’s purchases; 1% on all else |
| Other | Free FLW membership | Special store financing | Special store financing |
| Network | Visa | Mastercard | Mastercard |
Businesses self-identify the category of business they are, which can be a plus, if you know your merchant codes (MCCs). You don’t have to worry about Commerce Bank arbitrarily determining the nature of a business.
However, you can run into some roadblocks to earning the most points. For instance, buying a burger and fries at a gas station may not qualify you for 2X points, for instance, depending on how the service station classifies itself. Getting a cup of coffee at a bakery may not qualify you for 2X points on your purchase. That bakery may not be categorized as either a coffee shop or a restaurant.
Redeeming Your Points
The FLW Visa® Rewards Card gives you many options when it comes time to redeem your points:
| Redeem Commerce Bank rewards for: | |||
|---|---|---|---|
| Airfare | Hotel vouchers | Car rentals | Gift cards |
| Statement credits | Fuel discounts | Charity | |
You can redeem your points for cash back. However, remember that you can only receive your cash back as a statement credit and not a cash deposit. You can also redeem your travel points, fuel discounts, gift cards, and merchandise through the Commerce Bank catalog. However, a drawback to this rewards catalog is that the items have no prices. You can’t view how many points you need to obtain any item until you create an account.
Commerce Bank does, however, throw out some crumbs of information. For instance, cash back redemptions start at 2,500 points. Many rewards programs that offer cash back start their cash back amounts at $25. If this is the case with Commerce bank, each point has a value of $0.01 (one cent). That’s about the industry standard value for reward points.
Visa Benefits
The FLW Visa also features Visa Platinum protections and benefits, including:
| Zero Fraud Liability | Cardholder Inquiry Services | Emergency Card Replacement |
| Roadside Dispatch and Auto Collision Damage Waiver | Lost/Stolen Card Reporting | ID Navigator from Norton |
Commerce Bank Ratings
What’s it like to live with Commerce Bank as a credit card issuer and bank? Here is a selection of reviews for the Midwestern bank:
| BestCards | Better Business Bureau | TrustPilot |
|
4.5/5 |
1.5/5 |
3/5 |
Should You Apply for the FLW Visa® Rewards Card?
The FLW Visa® Rewards Card is great if you are an avid sports angler and want to show your support for the FLW. However, the majority of the attractive perks of this card have to do with FLW membership. You should compare the FLW benefits that this card offers versus those you can get just from joining the organization. Besides the FLW perks, this card is almost identical to many other Commerce Bank credit cards. The rewards-earning categories don’t seem to make sense for people who would be drawn to FLW. Additionally, the introductory APR offers are paltry compared to what many competitors offer.
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