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 12.24% up to 25.24%.
• 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

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 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 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 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.

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.