Commerce Bank VOILÀ Hotel Rewards Visa Signature®

Commerce Bank Secured Visa Credit Card is a secured card that helps people with poor credit to build, strengthen and rebuild their credit score.

Credit needed
Good/ Excellent
15.24% to 25.24%
Annual Fee

Card Summary

Commerce Bank VOILA hotel Rewards Visa Signature card gives you five points for every dollar spent at participating VOILA Hotels and one point for all other purchases. If you spend at least $10,000 per year, cardholders earn an additional 50% bonus in rewards points.

Commerce Bank charges a $0 annual fee for this card. Cardholders can also earn 20,000 points by opening an account and making at least $1,000 in purchases within the first 90 day. Based on creditworthiness, the APR can vary from 15.24% up to 25.24%.

Card Summary - Cons

Rates and fees

Issuer Name
Commerce Bank
Penalty APR
Credit Needed
Good/ Excellent
Balance Transfer Fee
The greater of $10 or 5%, depending on the balance transfer amount.
Annual Fee
Cash Advance Fee
You can choose to pay $10 or 5% for each Cash Advance.
15.24% to 25.24%
Foreign Transaction Fee
Dollars 1% for every transaction made in the U.S. Dollars 22% for every transaction in U.S. dollars.


When you spend $1000 within the first 90 days of account opening, earn 20,000 bonus points towards a free night's stay.

There is no annual fee5 points per $1 spend at VOILA-Participating Hotels1 point per $1 spent elsewhere Visa accepted.

You can also earn an extra 50% bonus when you spend $10,000 each year at VOILA Participating Hotel.

Commerce Bank VOILA Hotel Rewards Visa Signature Benefits:

You get additional benefits with the Commerce Bank VOILA hotel Rewards Visa Signature Card: Access to your FICO credit scores for free.

Comparative Analysis with Other Cards

Commerce Bank VOILA Hotel Rewards Visa Signature vs. Choice Privileges Visa Signature Card

Annual Fee: Commerce Bank VOILA Hotel Reward Visa Signature Card charges an annual fee $0. Annual fee: The Choice Privileges Visa Sign Card has a $0.

Reward: With the Commerce Bank VOILA Hotels Rewards Visa Signature Card, you earn five points for every dollar spent at participating VOILA hotel properties and one point for all other purchases. If you spend $10,000 in a calendar year, cardholders will earn an extra 50% bonus in rewards points.

You will receive 8,000 bonus points each year if you spend at least $10,000 on your Choice Privileges Visa Signature card purchases by the anniversary date. Choice Privileges cardholders receive 15 points for every dollar spent at eligible Choice Privileges location.

You'll also earn five points per $1 when you purchase Choice Privileges gift cards or Choice Privileges points. Other eligible purchases earn 2 points per $1 All Choice Hotels offer 10% Bonus Points to Cardholders who purchase stays.

Sign-up bonus: New Commerce Bank VOILA hotel Rewards Visa Signature cardholders receive a 20,000 point sign-up bonus when they make $1,000 purchases within the first 90-days of opening an account.

New cardholders who open an account with the Choice Privileges Signature Card will receive a 32,000 point introductory bonus if they spend at least $1,000 within the first 90-days.

Benefits: The Commerce Bank VOILA Visa Signature Card will grant you free access to your FICO credit score. You'll get $0 in fraud liability protection with the Choice Privileges visa Signature card and an automatic upgrade into Elite Gold Status within the Choice Hotels rewards program.


Note: Credit Card summary is for informational purposes only and is not an endorsement of the product. Products and services described are offered by third parties and not Bright Money or its partner banks. Bright Money strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider, or specific product’s site and the information has not been reviewed or provided by the issuer of the product before publication.

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