(Last Updated On: October 21, 2018)

Did you receive an invitation from Commerce Bank to apply for the Toggle Visa credit card at

The offer looks appealing, and you likely have a pretty good credit rating to be selected to apply as an invitation. Congrats! This does not mean that you are guaranteed approval, as you will need to apply for the card.

Here are some of the details that we found for this card, as of October 21st, 2018:

Easily manage your finances with the toggle® credit card. You can choose to pay for purchases now directly from your checking account or pay them later as you normally would.*

  • You have control and can make changes to your plan whenever you want
  • REWARDS for all purchases, big or small, no matter how you pay
  • Avoid interest on the categories you choose to pay now
  • No annual fee

In addition, the card has some interesting features, such as “Pay now”, “Pay Later” and “Undwind”. From our understanding, these options allow you to link your checking account to decide to pay off the debt immediately, or to use it as a normal credit card transaction. Unwind allows you to change your mind.

Details and videos about these can be found at

Ready to apply for the Toggle Visa? Follow these steps:

  1. Go to
  2. Enter your 10 character invitation code. This code is likely a combination of letters and number. Then enter your date of birth and submit the form.
  3. You will need to fill in the forms for the following 4 screen prompts, including personal, employment and financial information, as well as card options.
  4. Wait for a decision for your application for credit.

If you feel like you need to shop for other cards to see your options, we recommend a rewards card that gives cash back or air miles. You will likely have numerous options since you probably already have great credit. The Toggle Visa is fairly competitive with other prime cards. If you already have an account with Commerce Bank, then the convenience of management and bill payment would be one more reason to apply for this card.



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Credit Card Invitation provides credit card applicants with more information about pre-screened mail and online credit card offers before applying.


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