Commerce Bank Special Connections Credit Card

Commerce Bank Special Connections Credit Card Review

This is a credit card issued by Commerce Bank. If you're wondering whether Commerce Bank Special Connections is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

• Generous reward rate. You will get a rewards rate of up to 3x.
• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 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 up to 12 months.
• Competitive APRs. Commerce Bank Special Connections Credit Card has a variable purchase APR that ranges from 12.24% up to 25.24%.
• No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
• 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 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 and fraud protection.
• Good or better credit required. You will have low approval odds if your credit score is below 700.

Does Commerce Bank Special Connections have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Commerce Bank Special Connections benefits?

It provides the following benefits:

• Reports to major credit bureaus

What are the relevant APRs for Commerce Bank Special Connections?

Commerce Bank Special Connections Credit Card has a variable purchase APR that ranges from 12.24% up to 25.24%. The card has a variable balance transfer APR that ranges from 12.24% up to 25.24%. It also has a variable cash advance APR of 25.24% . Note that late payments are subject to an APR of 27.24% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for Commerce Bank Special Connections?

The following fees apply:

• There is no overlimit fee

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Commerce Bank Special Connections Credit Card report your account activity to credit bureaus?

Yes, Commerce Bank Special Connections Credit Card reports your account activity to the following credit reporting agencies:

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Commerce Bank Special Connections

• Visit the Commerce Bank Special Connections website.
• 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.