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Southwestern Oklahoma State University Credit Card

Southwestern Oklahoma State University Credit Card

The Southwestern Oklahoma State University Credit Card is definitely a decent credit card option for you. It is issued by the Commerce Bank. The APR is reasonable, based on the assigned rate of 12.49% to 18.49%, depending on your credit score (the APR may change). The card is without an annual fee which gives you get a standard cash back program of 1% in cash for $ 1 spent on all purchases.

Features of Southwestern Oklahoma State University credit card

Earn 1% cash back per $1 spent on all purchases, and 2% or 3% cash back for purchases in select categories

A signup bonus of 1.99% introductory APR for the first 6 monthly billing cycles after account opening

No Annual Fee is required

It has a Cash Advance APR is set at 25.49% (APR is subject to change)

Cash Advance Fee is Either $10 or 5%, whichever is greater

Late Payment Fee is Up to $37

Purchases APR is set at 12.49% to 18.49% (APR is subject to change)


To be eligible to use this credit card, you must meet the following requirements:

  • Must be at least 18 years old
  • Provide a valid mail address in the United States.
  • Have a US social security number

How to Apply for Southwestern Oklahoma State University credit card

Step 1: Go to the summary page of the card and click Apply now.

Step 2:  Read the terms and disclosures contained in the card disclosures and indicate that you agree with them by clicking on the Accept button.

Step 3: Enter all the information listed below in the general information about the applicant. Full name and surnames, Complete postal address (including city, state and zip code), Phone number of the house, Email address, Direction time, Birthdate, SSN, Family Mother’s name

Step 4: In the Information section about candidate employers and financial information for candidates, enter all information regarding employment and finances:

Step 5:  Select Rent, Property or Others to indicate your current housing situation.

If you selected the Other option, enter your situation in the indicated place. Where the monthly payment of the home is written, enter the monthly rent or mortgage payment.

Step 6: Enter the personal details of the closest relative who does not live with you and describe your relationship with him in the right place. Then answer two additional questions by selecting Yes or No. After completing this application page, click Next.

Step 7: To add the applicant to your request, you can do so at this stage. Otherwise, move on. When you are ready, click Next to continue.

Step 8: You must now choose Yes or No to apply any of the following activities in your applications: consolidate previous balances in an account, combine this card with an existing Commerce Bank account or add balance protection to your account. After completing the application, click Send.


To log in to your account, go to the Commerce Bank credit card login page and look for the login window. Enter your customer ID in the indicated location and click on login to continue.

Enter your password and click on Login. Now you should log in to online banking and be able to manage your credit card account.

Activate the credit card

To activate the new card,  call the number 1 (800) 645-2103 to speak with a customer service representative.


Telephone: 1 (800) 645-2103

Mail Address: Commerce Bank // PO Box 411036 // Kansas City, MO 64141-1036