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  Commerce Bank Special Connections Credit Card
Commerce Bank Special Connections Credit Card Unaffiliated

Commerce Bank Special Connections Credit Card

Unaffiliated
SuperMoney Net Recommendation Score +100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

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Highlights
Community Rating Strongly recommended
Purchase APR  (Variable APR) 15.24% - 28.24%
(Verified 12/13/2022)
Balance Transfer APR  (Variable APR) 15.24% - 28.24%
(Verified 12/13/2022)
Credit Score Range 700 - 850
Annual Fee $0
Number of Reviews 6

Commerce Bank Special Connections Credit Card Review

This is a cashback credit card issued by Commerce Bank. If you're wondering whether Commerce Bank Special Connections is the right card for you, read on.

Key Takeaways

  • Generous reward rate. You can get a maximum cashback 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 15.24% up to 28.24%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, 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.
  • Gas rewards. 2% cashback on eligible fuel purchases.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, identity theft protection, travel accident insurance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.

Pros & Cons of Commerce Bank Special Connections

The Good The Bad
  • 3% cash back at coffee shops, fast food, and ride sharing services.
  • Potentially 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. There is then a variable purchase APR that ranges from 15.24% up to 28.24%.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Identity Theft Protection.
  • Travel accident insurance.
  • Cardholders can earn rewards on their purchases.
  • Commerce Bank Special Connections Credit Card reports to multiple credit bureaus.
  • You need good credit to qualify.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 2%.
  • Charges a 5% balance transfer fee.

Commerce Bank Special Connections FAQ

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

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other 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
Minimum rewards rate 1x
Max rewards rate 3x
Annual rewards limit N/A
Signup Bonus ($) N/A

Does Commerce Bank Special Connections have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Commerce Bank Special Connections offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Commerce Bank Special Connections benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Zero fraud liability
  • Travel Accident Insurance
  • Reports to major credit bureaus

What are the relevant APRs for Commerce Bank Special Connections?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

Commerce Bank Special Connections Credit Card has a variable purchase APR that ranges from 15.24% up to 28.24%. The card has a variable balance transfer APR that ranges from 15.24% up to 28.24%. It also has a variable cash advance APR of 28.24% . Note that late payments are subject to an APR of 30.24% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does Commerce Bank Special Connections have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.

Commerce Bank Special Connections Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 15.24% - 28.24%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 5%

Does Commerce Bank Special Connections have an intro APR offer on new purchases?

Commerce Bank Special Connections Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 12 months

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

What are the fees for Commerce Bank Special Connections?

The following fees apply:

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

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

Does Commerce Bank Special Connections have a foreign transaction fee?

Commerce Bank Special Connections 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 foreign transaction fees.

What is the customer service phone number for Commerce Bank Special Connections?

The Commerce Bank Special Connections customer service number is (800) 892-7100.

What is the support contact email for Commerce Bank Special Connections?

The support contact email for Commerce Bank Special Connections is mymoney@commercebank.com.

What is the Commerce Bank Special Connections login page?

You can access the Commerce Bank Special Connections login page here.

How do people rate the customer service and user experience of Commerce Bank Special Connections?

Overall, Commerce Bank Special Connections is strongly recommended based on community reviews that rate customer service and user experience.

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:

  • 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 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.

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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • 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

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 2%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $2.50
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee $0
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Co-signing Allowed
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
Rewards Categories
  • 3% Cash Back on Internet / Cable / Phone Services
  • 2% Cash Back on Gas
  • 2% Cash Back on Restaurants
  • 1% Cash Back on Every Purchase
Cash Advance APR (Variable APR) 28.24%
APR Type Variable APR
Balance Computation Daily Balance (including new Purchases and Fees)
Penalty APR (Variable APR) 30.24%
Purchase APR (Variable APR) 15.24% - 28.24%
(Verified 12/13/2022)
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 15.24% - 28.24%
(Verified 12/13/2022)
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 5%
Card Type
  • Rewards
  • Balance Transfer
  • Cashback
  • Gas
  • Zero Percent
Card Network Visa

Commerce Bank Special Connections Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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