Features

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 $23.9 billion in total assets and an A- rating with the BBB.

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

Commerce Bank charges a variable interest rate on purchases and balance transfers that ranges from 10.24% TO 20.24% APR, depending the customer's creditworthiness. New customers receive a six-month 0% APR intro rate on both balance transfers and purchases. Cash advances come with a 25.24% APR and there is a 27.24% 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 one point for every $1 they spend plus three points for every $1 they pay in interest on monthly balances. There is no limit to the number of points you can earn. Points can be redeemed for gift cards, cashback, travel or merchandise.

It's worth noting that the three points per $1 paid in interest applies to the actual interest paid on the balance not the entire balance. For example, if you have a a $1,000 balance and you pay $10 in interest, you will get 30 points as a reward. Thirty points are only worth 30 cents, so paying $10 to earn them is not a great deal.

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, $100,000 travel accident insurance, and access to toggle, a free payment feature that allows you to use your credit card as a debit card. The card also gives users free access to their FICO score

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 interest rates, no annual fee, a 0% intro rate and rewards on their purchases. The rewards program is flexible and allows members to redeem points for cashback, travel or merchandise. The triple points on interest paid is a little misleading to customers because it may make cardholders feel they are earning rewards for paying interest when the value of the points is much lower than the interest paid.

  • Card Type
    Balance Transfer Rewards
  • Customer Type
    Personal
  • Card Network
    Visa
  • Minimum Age
    18
  • Co-signing Allowed
  • Grace Period / Deferred Interest
    25
  • Late Payment Penalty
    $38
  • Minimum Interest Charge
    $3
  • Foreign Currency Transaction Fee
    2%
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Free FICO Score
  • Lost Luggage Insurance
  • Travel Insurance
  • Air Miles
  • Cashback
  • Points
  • Purchases APR
    10.49% - 20.49%
  • Transfer Fee
    5% w/$10 min.
  • Balance Transfer APR
    10.49% - 20.49%
  • Intro APR period (months)
    6
js-table-filter bizname-commerce-bank--miles-credit-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
js-table-filter free-fico-score-575
10.49
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
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js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1985

  • Cashback
  • Every Purchase
  • Free FICO Score
  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Card Type Rewards
Purchases APR 10.49%
Balance Transfer APR 10.49%
Intro APR period (months) 6
006
js-table-filter bizname-commerce-bank--special-connections-visa-with-rewards
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
10.49
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1985

  • Cashback
  • Every Purchase
  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Card Type Rewards
Purchases APR 10.49%
Balance Transfer APR 10.49%
Intro APR period (months) 6
006
js-table-filter bizname-commerce-bank--visa-signature
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
js-table-filter free-fico-score-575
10.49
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1985

  • Cashback
  • Every Purchase
  • Free FICO Score
  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Card Type Rewards
Purchases APR 10.49%
Balance Transfer APR 10.49%
Intro APR period (months) 9
006
js-table-filter bizname-commerce-bank--garfield-visa
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter points-137
14.49
1.99
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1985

  • Points
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 14.49%
Balance Transfer APR 14.49%
Introductory Rate 1.99%
Intro APR period (months) 6
006
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