Last Updated: 05/14/2026
Commerce Bank Special Connections Credit Card
Unaffiliated
from Commerce Bank
Last Updated: 05/14/2026
SuperMoney User Recommendation Score +71
Strongly recommended7 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
15.24% - 28.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
15.24% - 28.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
700 - 850
Annual Fee
$0
Number of Reviews
Commerce Bank Special Connections Credit Card Review
This is a cashback credit card issued by Commerce Bank. If you're wondering whether Commerce Bank Special Connections Credit Card is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 3x.
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 12 months, which is the average period for 0% APR balance transfer cards.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 12 months.
- APRs: Commerce Bank Special Connections Credit Card has a variable regular purchase APR that ranges from 15.24% up to 28.24%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- A 5% balance transfer fee. Commerce Bank Special Connections Credit Card charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $10.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 2% every time you make a transaction outside the U.S.
- Accepts cosigners. Commerce Bank is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, identity theft protection, travel accident insurance, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Commerce Bank Special Connections
| The Good | The Bad |
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Commerce Bank Special Connections FAQ
Does Commerce Bank Special Connections have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
Does Commerce Bank Special Connections have a signup bonus?
This card doesn't offer a cash signup bonus.Does Commerce Bank Special Connections offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Commerce Bank Special Connections benefits?
Commerce Bank Special Connections Credit Card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Zero fraud liability
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for Commerce Bank Special Connections?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Commerce Bank Special Connections Credit Card has a variable purchase APR that ranges from 15.24% up to 28.24%. The card has a variable balance transfer APR that ranges from 15.24% up to 28.24%. It also has a variable cash advance APR of 28.24% .
Note that late payments are subject to an APR of 30.24% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.Does Commerce Bank Special Connections have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 15.24% - 28.24% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Commerce Bank Special Connections have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 12 months.
What are the fees for Commerce Bank Special Connections?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Commerce Bank Special Connections have a foreign transaction fee?
Commerce Bank Special Connections charges a foreign transaction fee of up to 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Commerce Bank Special Connections?
The customer service number for Commerce Bank Special Connections is (816) 234-2000.
What is the support contact email for Commerce Bank Special Connections?
The support contact email for Commerce Bank Special Connections is mymoney@commercebank.com.
How do people rate the customer service and user experience of Commerce Bank Special Connections?
Overall, Commerce Bank Special Connections is strongly recommended based on community reviews that rate customer service and user experience.
Does Commerce Bank Special Connections Credit Card report your account activity to credit bureaus?
Yes, Commerce Bank Special Connections Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Commerce Bank perform a hard credit pull?
Yes, Commerce Bank Special Connections performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Commerce Bank Special Connections
- Visit the website of Commerce Bank Special Connections.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
8:00AM - 8:00PM
Tuesday
8:00AM - 8:00PM
Wednesday
8:00AM - 8:00PM
Thursday
8:00AM - 8:00PM
Friday
8:00AM - 8:00PM
Saturday
8:00AM - 4:00PM
Other Services by Commerce Bank
Other Credit Cards from Commerce Bank
Rating not yet determined
Purchase APR
15.24% - 28.24%
Disclaimer popup with additional information
Balance Transfer APR
15.24% - 25.24%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
18.24% - 28.24%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 28.24%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
15.24% - 28.24%
Disclaimer popup with additional information
Balance Transfer APR
15.24% - 28.24%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
15.24% - 28.24%
Disclaimer popup with additional information
Balance Transfer APR
15.24% - 28.24%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
15.24%
Disclaimer popup with additional information
Balance Transfer APR
15.24%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$95
Rating not yet determined
Purchase APR
21.99%
Disclaimer popup with additional information
Balance Transfer APR
21.99%
Disclaimer popup with additional information
Credit Score Range
300 - 550
300
850
Annual Fee
$49
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +71, or 4.4 on a 5-point rating scale.
+71
-1000+100
No one recommends
Everyone recommends
Commerce Bank Special Connections Credit Card Community Reviews
Would you recommend Commerce Bank Special Connections Credit Card to your friends?
LB
Linda B.
Jun 27, 2023
May or may not recommend
Don't become seriously ill while you have a balance on this card. Even though I continued to pay the interest and a few dollars on the principle each month and told them I was refinancing my house to pay off bills they trashed my credit and added fees. I spoke to more than 10 representatives over 6 months and they were consistent uncaring, belittling, condescending and unfair. You ...Show More
SS
Solijah S.
Apr 12, 2022
May or may not recommend
Great to use for gas and getting food. I was apple to improve my credit score within 3 months. would recommend for those improve their credit and looking for $0 annual fee
BB
B B.
Apr 8, 2022
May or may not recommend
I was surprised by how much i like the card. Application was simple and quick turn around. They also give a good amount for the limit. I use it for gas but I like that it has travel protection.
HU
Haley U.
Mar 12, 2022
May or may not recommend
Surprisingly, I actually love this card! Though it is a bit exclusive, if you have good credit it can be a really great option for you! I love getting cash back on my starbucks & uber purchases, it’s helping me save up some extra money on the side!
AC
Alyssa C.
Jan 8, 2022
May or may not recommend
The Commerce Bank Special Connections Rewards Visa is awesome, I have had a great experience. It's always a plus to have an annual fee of $0 as well, especially for a card that gives rewards! I would recommend this.
VH
Victoria H.
Aug 26, 2021
May or may not recommend
I would recommend this to those who need to improve their credit score, and has a person who is willing to be their co-signer. There is no annual fee's and the interest if approved isn't all that bad. I find that cards like this is great starter cards for those who are only looking to improve their credit score.
JN
Jesse N.
Aug 14, 2018
May or may not recommend
Great credit limit and easy to apply for the card online
Showing 7 of 7 reviews
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