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.

• Generous reward rate. You can get a rewards rate of up to 3%.
• 0% balance transfer intro rate. Offers an introductory APR rate on balance transfers of 0% for up to 12 months, which is the average period for 0% APR balance transfer cards.
• Competitive APRs. Commerce Bank Special Connections Rewards Visa has a variable purchase APR of up to 21.74%.
• No annual fee. This is a great options for people looking for a low-maintenance rewards card. It gives rewards on your purchases but you don't have to pay an annual fee for the privilege.
• 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.
• 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.

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.

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?

Commerce Bank Special Connections Rewards Visa has a variable purchase APR that ranges from 11.74% up to 21.74%. The card has a variable balance transfer APR that ranges from 11.74% up to 21.74%. 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.

What are the Commerce Bank Special Connections Rewards Visa fees?

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

• There is no overlimit 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.