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Commerce Bank Special Connections Rewards Visa

in Personal Credit Cards

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Commerce Bank Special Connections Rewards Visa

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in Personal Credit Cards

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Overview

Who is Commerce Bank's Special Connections Visa with Rewards Card Designed For?

Commerce Bank's Special Connections Visa with Rewards is designed for people with fair to good credit who have a bank account with Commerce Bank and want to earn rewards from their purchases. The card also includes a 0% APR intro rate on balances and purchases, which is attractive to people who carry a balance or are planning to purchase big ticket items.

Commerce Bank is based in Kansas City, Missouri, and operates throughout Missouri, Illinois, Colorado and Oklahoma. The bank has over $23.9 billion in total assets and an A- rating with the BBB.

What are the Rates for Commerce Bank's Special Connections Visa with Rewards?

Commerce Bank charges a variable rate on purchases and balance transfers that ranges from 11.74% APR to 21.74% APR, depending on the customer's creditworthiness. New customers receive a twelve-month 0% APR intro rate on both balance transfers and purchases. Cash advances come with a 26.74% APR and there is a 28.74% APR penalty rate when a cardholder is late making payments. The penalty rate will apply until the cardholder makes six consecutive payments on time.

What Are the Fees for Commerce Bank's Special Connections Visa with Rewards?

Commerce Bank doesn't charge an annual fee for the Special Connections Visa with Rewards. However, there is a 5% balance transfer and cash advance fee ($10 minimum), which is higher than the usual 3%. Foreign transactions have a 1% fee when the transaction is performed in dollars and 2% if it's in another currency. Late payments have a $37 fee. There is no overlimit or returned payment fee.

What Is Commerce Bank's Special Connections Visa Rewards Program Like?

Commerce Bank's Special Connections Visa with Rewards has a points program that gives cardholders 3% per dollar spent on wireless providers and ride-sharing services, 2% per dollar on gas and restaurants, and 1% per dollar spent on all other purchases. Points can be redeemed for gift cards, cash back, travel or merchandise.

What about Commerce Bank's Special Connections Visa with Rewards Signup Bonus?

Apart from the 0% APR intro rate, there is no signup bonus for the Special Connections Visa with Rewards card.

Does Commerce Bank's Special Connections Visa with Rewards Have Any Other Benefits?

Besides the points customers can earn, Commerce Bank also offers competitive benefits and perks, such as zero liability coverage, auto rental collision damage waiver, and $100,000 travel accident insurance. 

How Is Commerce Bank's Special Connections Visa with Rewards Better Than Other Credit Cards?

Commerce Bank's Special Connections Visa with Rewards provides cardholders with competitive rates, no annual fee, a 0% APR intro rate and rewards on their purchases. The rewards program is flexible and allows members to redeem points for cash back, travel or merchandise. 

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

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

No Fees
Returned Payment Fee
$0
Grace Period for Late Payment (Days)
25
Over-Limit Fee
$0
Annual Fee
$0
No Annual Fee
 
List of Fees
Late Payment Penalty
$37
Minimum Interest Charge
$2.50
Balance Transfer Fee %
5%
Balance Transfer Fee Minimum
$10
Foreign Currency Transaction Fee
2%
Minimum Age
18
Co-signing Allowed
 
Credit Score Range
700 - 850
850 300 700
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type
Personal
Car Rental Insurance
 
Fraud Liability
 
Travel Insurance
 
Emergency Support
 
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
  • Identity Theft Protection
All Other Purchases
2% & 3% Cash Back
Rewards Categories
  • Every Purchase
  • Gas
  • Internet / Cable / Phone
  • Restaurants
Percentage
Purchase APR
(Variable APR)
11.74% - 21.74%
    0% 29%
Percentage
Cash Advance APR
(Variable APR)
Starting at
26.74%
Balance Computation
Daily Balance (including new Purchases and Fees)
Penalty APR
28.74%
Introductory Rate
0%
Percentage
Balance Transfer APR
(Variable APR)
11.74% - 21.74%
    8% 29%
Introductory Rate
0%
Intro APR period (months)
12

Reviews

 
 

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Other Personal Credit Cards

Commerce Bank Personal Credit Cards

Product

Reviews

Purchase APR

Balance Transfer APR

Annual Fee

Credit Score Range

Commerce Bank Special Connections Visa Signature®
Purchase APR 11.74% - 21.74%
(Variable APR)
    0% 29% Variable APR
Balance Transfer APR 11.74% - 21.74%
(Variable APR)
    8% 29% Variable APR
Annual Fee $0 Annual Fee
Credit Score Range 700 - 850     300 850