Comerica Credit Card: Easy Ways to Get One

Do you want to know more about Comerica Credit Card? Then you’ve come to the right place. Comerica has compounded itself into one of the most trustworthy banks in the United States. With humble beginnings in Detroit dating back to 1849, it started with only six customers. Surviving through major financial crises and a world war, the bank continues to serve clients for over 170 years. Meanwhile, if you want to learn more about credit cards, visit My Account Access.

comerica credit card

Advantages of Credit Cards

The risks will always be there but so are the benefits. Especially for first-timers, getting their own credit card is a major life decision. Also, you have to keep in mind that before you apply for one, you will be prepared for the financial responsibility. If used properly, credit cards can give you advantages and benefits such as:

  1. Spread out payment of purchases. Above all, those with big purchases, you may spread out the payment into several months, making it more manageable.
  2. Buy now and pay later. This is beneficial for those useful situations where you really need to purchase something but don’t have the cash until the next paycheck.
  3. Enjoy purchase protection. When purchasing with a credit card, you can get the cost back from your credit card issuer in certain situations. This is applicable if the selling company closes down or the purchase is faulty or goes missing. You may also get a refund if you found that your credit card was used fraudulently.
  4. Interest-free loans. Some credit cards and even stores offer zero interest on when you use your card. This lets you pay your debt for a certain period without worrying that it will incur interest.
  5. Benefits and incentives. Credit card issuers incentivize credit card usage with points that you can redeem for rewards later on.
  6. Cut down debts. A balance transfer credit card enables you to transfer debts to one credit card account. This account usually has lowered or no interest to help you pay the debt quicker.
  7. Credit rating boost. Credit building credit cards could help improve your financial situation and create better borrowing habits. As long as you are able to pay off the balance monthly, you’ll gradually build a better credit report.

Disadvantages of Credit Cards

Credit cards also have their risks along with their benefits. These aren’t meant to discourage you, rather, to remind you of the financial responsibilities that come along with the card:

  1. Growing debt. One of the risks of getting a credit card is unable to pay off a growing debt. This will only happen if you aren’t able to pay the balance on a regular basis.
  2. Lowered credit score. When you are unable to pay off your balance regularly, this will affect your credit rating. The lower your credit rating, the harder it will be to apply for credit in the future.
  3. Fees and charges. Credit card issuers could also charge you with fees and charges if you are unable to meet your repayments. This could also happen if you exceed your credit limit.
  4. Restricted usage. Depending on the credit card, you might be restricted in how and where you can use them. One example is issuers charging you when withdrawing cash unless stated otherwise in the credit agreement.

Choosing the Right Credit Card for You

Realizing that each customer might have different needs and purposes, the bank offers different types of credit cards. Each type of Comerica credit card for personal banking comes with features such as:

  • EMV chip-enabled cards to protect clients against fraud
  • Mobile payments can be done in-store, online, and in-app using Apple Pay, Google Pay, and Samsung Pay
  • Includes auto rental collision and theft coverage, travel assistance and extended warranty coverage
  • Overdraft Protection that comes by linking the credit card to your checking account

Personal Credit Cards by Comerica

These are the list of personal credit cards offered by Comerica. Compare and contrast the benefits of each card type to determine what will work best for you:  


Benefits
Visa® Real Rewards Card➤Earn 1.5 points monthly for every $1 spent on eligible net purchases.

➤No cap or limit on the number of points that can be earned Five years to redeem points for rewards.

➤2,500 bonus reward points after first purchases
Premier Rewards American Express® Card➤Earn 4 points for every $1 spent on eligible net restaurant purchases.

➤Earn 3 points for every $1 spent on eligible net airline purchasesEarn 2 points for every $1 spent on eligible net gas purchases.

➤Earn 1 point for every $1 spent on all other eligible net purchasesEarn 10,000 one time bonus reward points after spending $1,000 in the first 3 months.

➤No cap or limit on the number of points that can be earnedFive years to redeem points for rewards.

➤Reimbursement for Global Entry or TSA Pre✓®
Cash Rewards American Express® Card➤3% cashback on the first $6,000 spent on eligible net purchases made annually at gas stations.

➤2% cash back on eligible supermarket net purchases1% cashback on all other eligible net purchases.

➤$25 cashback awarded after first purchase
Visa® Platinum Card➤Save on interestEveryday convenience of a non-rewards card.

Other Credit Cards by Comerica:

Visa® Secured Credit Card ➤Great for starting a credit historySecured Comerica.

➤ CD account is an interest-bearing CD account.

➤Low annual fee.
Visa® College Real Rewards Card ➤Earn 1.5 points monthly dollar spent on eligible net purchases.

➤No cap or limit on the number of points that can be earned.

➤Five years to redeem points for rewards.

➤2,500 bonus rewards points awarded after first purchase, redeemable for $25 cashback, merchandise, gift cards or travel savings.
Detroit Tigers Visa® Rewards Card ➤Earn 1.5 points monthly for every $1 spent on eligible net purchases.

➤No cap or limit on the number of points that can be earned.

➤Five years to redeem points for rewards2,500 bonus rewards points awarded after first purchase.

➤Exclusive access at the Comerica Bank VIP entrance at Comerica Park.

➤Enter to win four of Comerica’s reserved seats for home games at Comerica Park, no purchase necessary.

➤Save $3 on Detroit Tigers Kids Club full priced memberships. (new members only)
Detroit Tigers Visa® Platinum Card ➤Extended intro rate to save on interest.

➤Everyday convenience of a non-rewards card.

➤Exclusive access at the Comerica Bank VIP entrance at Comerica Park.

➤Enter to win four of Comerica’s reserved seats for home games at Comerica Park, no purchase necessary.

➤Save $3 on Detroit Tigers Kids Club full-priced membership.s (new members only)

Electronic Credit Card Application

For you to apply for a Comerica credit card, you may visit your local Comerica branch to process your application. However, you may also do your application electronically by following the steps below. This option is only available for current Comerica customers.

  1. Log in to your Web Banking account
  2. Click “Apply for a Comerica Credit Card” in the related links
  3. Find the particular card that you want to apply for and click “Apply Now”
  4. Input your personal information on the form
  5. Select account types that you have with Comerica Bank
  6. If you are authorizing another user to use the card with you, indicate this in the application. Enter the person’s details
  7. Review the form and accept the terms and conditions
  8. Click submit to complete your application

You should note that once you receive your credit card, you cannot use it immediately. You must first activate your credit card by logging in to the Comerica website.

My Account Access also gives you details about other credit cards like Elan and Desert Schools. Do check them out as well.

Conclusion

Getting a credit card will help you manage your finances properly. It is especially useful in those situations that you have to make necessary purchases and payments without cash on hand.

It is important to remember that while you enjoy its benefits, balance payments should be strictly observed. Thus, before you apply for a credit card, make sure you are prepared for future financial responsibilities.

We hope that through our guide, we were able to lead you through the credit card that will work best for you. Should you have questions and suggestions, or would like to share about your experience with Comerica credit cards, leave a comment below. We’ll do our best in getting back to them as soon as possible.

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