Overview

Who is Commerce Bank's Special Connections Visa with Rewards Card Designed For?

Commerce Bank's Special Connections Visa with Rewards is designed for people with fair to good credit who have a bank account with Commerce Bank and want to earn rewards from their purchases. The card also includes a 0% APR intro rate on balances and purchases, which is attractive to people who carry a balance or are planning to purchase big ticket items.

Commerce Bank is based in Kansas City, Missouri, and operates throughout Missouri, Illinois, Colorado and Oklahoma. The bank has over $23.9 billion in total assets and an A- rating with the BBB.

What are the Rates for Commerce Bank's Special Connections Visa with Rewards?

Commerce Bank charges a variable rate on purchases and balance transfers that ranges from 11.74% APR to 21.74% APR, depending on the customer's creditworthiness. New customers receive a twelve-month 0% APR intro rate on both balance transfers and purchases. Cash advances come with a 26.74% APR and there is a 28.74% APR penalty rate when a cardholder is late making payments. The penalty rate will apply until the cardholder makes six consecutive payments on time.

What Are the Fees for Commerce Bank's Special Connections Visa with Rewards?

Commerce Bank doesn't charge an annual fee for the Special Connections Visa with Rewards. However, there is a 5% balance transfer and cash advance fee ($10 minimum), which is higher than the usual 3%. Foreign transactions have a 1% fee when the transaction is performed in dollars and 2% if it's in another currency. Late payments have a $37 fee. There is no overlimit or returned payment fee.

What Is Commerce Bank's Special Connections Visa Rewards Program Like?

Commerce Bank's Special Connections Visa with Rewards has a points program that gives cardholders 3% per dollar spent on wireless providers and ride-sharing services, 2% per dollar on gas and restaurants, and 1% per dollar spent on all other purchases. Points can be redeemed for gift cards, cash back, travel or merchandise.

What about Commerce Bank's Special Connections Visa with Rewards Signup Bonus?

Apart from the 0% APR intro rate, there is no signup bonus for the Special Connections Visa with Rewards card.

Does Commerce Bank's Special Connections Visa with Rewards Have Any Other Benefits?

Besides the points customers can earn, Commerce Bank also offers competitive benefits and perks, such as zero liability coverage, auto rental collision damage waiver, and $100,000 travel accident insurance. 

How Is Commerce Bank's Special Connections Visa with Rewards Better Than Other Credit Cards?

Commerce Bank's Special Connections Visa with Rewards provides cardholders with competitive rates, no annual fee, a 0% APR intro rate and rewards on their purchases. The rewards program is flexible and allows members to redeem points for cash back, travel or merchandise.