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  Commerce Bank Special Connections Rewards Visa

Commerce Bank Special Connections Rewards Visa

in Personal Credit Cards from Commerce Bank

Unaffiliated

Commerce Bank Special Connections Rewards Visa

Unaffiliated

in Personal Credit Cards from Commerce Bank

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Balance Transfer APR  (Variable APR) 13.74% - 26.74%
Credit Score Range 700 - 850
Annual Fee $0
Purchase APR  (Variable APR) 13.74% - 26.74%
Rewards Rates
  • Every Purchase
  • Gas
  • Internet / Cable / Phone Services
  • Restaurants

Commerce Bank Special Connections Rewards Visa Review

Commerce Bank Special Connections Rewards Visa is a cashback credit card issued by Commerce Bank. If you're wondering whether Commerce Bank Special Connections Rewards Visa is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

  • Generous reward rate. You will get a cashback rewards rate of up to 3%.
  • Earn 1% cash back on everyday purchases.
  • 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 Rewards Visa has a variable purchase APR that ranges from 13.74% up to 26.74%.
  • No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 5% Balance transfer fee. Commerce Bank Special Connections Rewards Visa charges a fee of up to 5% on balance transfers. For example, a balance of $1,000 could cost up to $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.
  • Gas rewards. Earn up to 2% for every $1 you spend on gas.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.

Commerce Bank Special Connections Rewards Visa Pros and Cons:

The Good The Bad
  • 3% cash back at coffee shops, fast food, and ride sharing services.
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • 0% APR on new purchases during the first 12 months.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • Commerce Bank Special Connections Rewards Visa reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 2%.
  • Charges a 5% balance transfer fee.

Is there a Commerce Bank Special Connections Rewards Visa cash back or rewards program?

Commerce Bank Special Connections Rewards Visa is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Commerce Bank Special Connections Rewards Visa you receive 1% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 3% for purchases in a bonus category.

Commerce Bank Special Connections Rewards Visa Rewards
Rewards rate (all purchases) 1%
Max rewards rate 3%
Annual rewards limit N/A
Signup Bonus ($) N/A

Does Commerce Bank Special Connections Rewards Visa have a signup bonus?

Commerce Bank Special Connections Rewards Visa doesn't offer a cash signup bonus.

Does Commerce Bank Special Connections Rewards Visa offer an annual loyalty bonus?

Commerce Bank Special Connections Rewards Visa doesn't offer a cash loyalty bonus.

What are the Commerce Bank Special Connections Rewards Visa benefits?

Commerce Bank Special Connections Rewards Visa provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Zero fraud liability
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for Commerce Bank Special Connections Rewards Visa?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Commerce Bank Special Connections Rewards Visa has lower than average purchase APRs.

Commerce Bank Special Connections Rewards Visa has a variable purchase APR that ranges from 13.74% up to 26.74%. The card has a variable balance transfer APR that ranges from 13.74% up to 26.74%. It also has a variable cash advance APR starting at 26.74% . Note that late payments are subject to an APR of 28.74% 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 Rewards Visa have an introductory APR offer on balance transfers?

Yes, Commerce Bank Special Connections Rewards Visa offers an introductory APR rate on balance transfers of 0% for a period of up to 12 months.

Commerce Bank Special Connections Rewards Visa Balance Transfers
Description
Balance Transfer APR 13.74% - 26.74%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 12
Balance Transfer Fee % 5%
Balance Transfer Fee % After Intro Period N/A
Balance Transfer Fee Intro Period (days) N/A
Balance Transfer Fee Minimum $10

Does Commerce Bank Special Connections Rewards Visa have an introductory APR offer on new purchases?

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 12 months.

Commerce Bank Special Connections Rewards Visa Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period (months) 12

What are the fees for Commerce Bank Special Connections Rewards Visa?

The following fees apply to Commerce Bank Special Connections Rewards Visa:

  • There is no overlimit fee
Commerce Bank Special Connections Rewards Visa Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 2%
Returned Payment Fee $0
Late Payment Fee up to $40

Does Commerce Bank Special Connections Rewards Visa have a foreign transaction fee?

Commerce Bank Special Connections Rewards Visa charges a foreign transaction fee of 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 a foreign transaction fee.

Does Commerce Bank Special Connections Rewards Visa report your account activity to credit bureaus?

Commerce Bank Special Connections Rewards Visa reports your account activity to the following credit reporting agencies:

  • 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 can help improve your credit score.

How to apply for Commerce Bank Special Connections Rewards Visa

  • Visit the Commerce Bank Special Connections Rewards Visa 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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...

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) 1x
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
No Annual Fee  
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee $0
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 2%
Minimum Interest Charge $2.50
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Co-signing Allowed  
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Card Type
  • Balance Transfer
  • Cashback
  • Gas
  • Rewards
  • Zero Percent
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Emergency Support  
Travel Insurance  
Fraud Liability  
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
  • Identity Theft Protection
Rewards Rates
  • Every Purchase
  • Gas
  • Internet / Cable / Phone Services
  • Restaurants
Rewards Type Cash Back
Cash Advance APR (Variable APR) Starting at 26.74%
Balance Computation Daily Balance (including new Purchases and Fees)
Penalty APR (Variable APR) 28.74%
Purchase APR (Variable APR) 13.74% - 26.74%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 13.74% - 26.74%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 5%

Commerce Bank Special Connections Rewards Visa Community Reviews

 

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Product

Reviews

Balance Transfer APR

Credit Score Range

Annual Fee

Purchase APR

Rewards Rates

Commerce Bank Special Connections Visa Signature®
Balance Transfer APR 11.74% - 21.74%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 11.74% - 21.74%
(Variable APR)
    0% 36% Variable APR
Rewards Categories
  • Every Purchase