toggle®
How we calculate effective rate →
The toggle® from Commerce Bank earns up to 1.5% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: $150 Cash Back Bonus when you spend $1,000 in purchases within your first 3 months after account opening..
- Top category
- Dining
- Effective value
- 1.5%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 1.5% back. The welcome bonus can help if you can meet the spend requirement.
What does the toggle earn in each category?
Dining is the strongest category at 1.5% effective value (1.5% back). That dining rate ranks higher than about 35% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how toggle compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1.5% effective value (1.5% back). That dining rate ranks higher than about 35% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how toggle compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1.5% back | 1.5% Top category |
| Grocery Supermarkets and grocery stores | 1.5% back | 1.5% |
| Gas Gas stations and fuel | 1.5% back | 1.5% |
| Travel Flights, hotels, transit | 1.5% back | 1.5% |
| Other General everyday spend | 1.5% back | 1.5% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the toggle?
The toggle fits spenders who put meaningful volume in dining and can earn 1.5% back. Best for spenders who put meaningful volume in dining and can earn 1.5% back. The welcome bonus can help if you can meet the spend requirement.
toggle fits spenders who put meaningful volume in dining and can earn 1.5% back. Madeen ranks its dining effective rate higher than about 35% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1.5% back. The welcome bonus can help if you can meet the spend requirement.
Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 1.5% effective (1.5% back).
- No annual fee in our catalog snapshot.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Charges $1 foreign transaction fees.
What is the toggle welcome bonus?
In Madeen's catalog snapshot, the toggle welcome offer is $150 Cash Back Bonus when you spend $1,000 in purchases within your first 3 months after account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- $150
- Terms (catalog snapshot)
- $150 Cash Back Bonus when you spend $1,000 in purchases within your first 3 months after account opening.
- Minimum spend
- $1,000
- Window
- 3Months
Does the toggle have an annual fee?
The toggle has an annual fee of $0 and a foreign transaction fee of $1. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $1
What benefits come with the toggle?
The toggle includes Booking.com, Cell Phone Protection Visa® Benefit, Dovly Uplift™ in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
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OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Priority Pass airport lounge access
$99/yrEnjoy access to over 1,700 airport lounges and experiences around the globe.
Cell Phone Protection Visa® Benefit
$25/yrHave peace of mind with complimentary, built-in Cell Phone Protection - up to $200 per claim.
Golf Benefits from Troon Rewards®
$10/yrEnjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
Roadside Dispatch®
$10/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Stay connected in over 175 countries
$10/yrEligible Visa cardholders can now use the GigSky app to access complimentary or discounted global mobile data, in 175+ countries and destinations worldwide as well as on over 200 of the world’s top cruise ships.
Travel and Emergency Assistance Services
$10/yrWhen you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.
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$10/yrGet exciting benefits at Universal Studios Hollywood and Universal Orlando Resort when you pay with your Visa Signature® or Visa Infinite® card.
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$10/yrGet assistance with travel planning, entertainment tickets and more.
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$10/yrEnjoy special guest status at 900+ Visa Signature Luxury Hotel properties worldwide.
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Common questions about the toggle
Does the toggle have an annual fee?
The toggle carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the toggle?
Dining is the strongest Madeen category for the toggle at about 1.5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the toggle charge foreign transaction fees?
The toggle charges a foreign transaction fee of $1 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What is the toggle welcome bonus?
The toggle welcome offer in our snapshot: $150 Cash Back Bonus when you spend $1,000 in purchases within your first 3 months after account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the toggle?
Madeen's catalog lists a typical credit range of Good for the toggle. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the toggle?
Rewards on the toggle post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the toggle compare to similar cards?
Compare the toggle against Commerce Bank World Elite Mastercard (3% on Dining, $95 fee); Special Connections (3% on Dining, $0 fee); Georgia Tech Rewards Mastercard (2% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
toggle This card | Dining | 1.5% | $0 |
Commerce Bank | Dining | 3% | $95 |
Commerce Bank | Dining | 3% | $0 |
Commerce Bank | Dining | 2% | $0 |
Commerce Bank | Dining | 1.5% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
Related Madeen guides
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Issuer links
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See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Madeen may earn compensation from apply links. Affiliate disclosure