www.commercebank.com/myspendingcard – Activate or Login mySpending Card

Commerce Bank Cards

  • Activate or purchase a Commerce Bank Spending Card online
  • CommerceBank.com/MySpendingCard is operated by Commerce Bancshares, Inc.
  • Current members can simply sign in with a username and password

The mySpending Card is a reloadable prepaid Visa card which can be used anywhere in the US where the Visa prepaid logo is present.  Please note the mySpendingCard is not a credit card and will not hurt or improve a credit score and will not report to the major credit reporting agencies.  The card is ideal for consumers who have a nasty habit of racking up high interest credit card debt.

Please note mySpending Card does come with a $5.95 card purchase fee (additional $2.00 per Secondary/Additional Card) and requires a $20 minimum load.

www.CommerceBank.com/MySpendingCard Notes

  • Monthly service charge?  0$ 🙂
  • The member can have their paycheck, government benefits (i.e. veterans affairs payments) or other income sources loaded unto the card
  • The maximum load amount is listed as $1,500 per day or $3,000 per rolling 7-day period (unless funds are loaded by direct deposit or other ACH transaction)
  • The maximum amount of money that the card can hold is $3000
  • Card holders cannot spend more than $3,000 per day or $10,000 per month
  • Card holders will receive unlimited transactions at Commerce branded ATM’s
  • Instant issue of a mySpending Card; is limited to primary cardholders
  • Secondary cards available for pick up at the branch after 2 p.m. the next day (online purchases must be issued to customer via U.S. mail)
  • The only downside to the mySpendingCard by Commerce Bank is the lack of a rewards program (but that is expected with pre paid cards)

Any questions in regards to the card can be directed to a mySpending Card Customer Service Agent at 1-888-373-2883 between normal business hours.  Customers looking to reach out via US mail can write to: Commerce Bank, PO Box 411036, Kansas City, Missouri 64141-1036.


  1. www.commercebank.com/myspendingcard