Commerce Bank Special Connections Visa Signature®

Commerce Bank Special Connections Visa Signature® Review

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

Key Takeaways

• 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 Visa Signature® 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 Visa Signature® 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.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, travel accident insurance, travel assistance, 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 Visa Signature®

Commerce Bank Special Connections Visa Signature® FAQ

Does Commerce Bank Special Connections Visa Signature® 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 1.5% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $15 back in cash.

What are the Commerce Bank Special Connections Visa Signature® benefits?

It provides the following benefits:

• Free Credit Score
• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Travel Accident Insurance
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Commerce Bank Special Connections Visa Signature®?

Commerce Bank Special Connections Visa Signature® 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 25.24%. 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.

What are the fees for Commerce Bank Special Connections Visa Signature®?

The following fees apply:

• There is no overlimit fee

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 Visa Signature® report your account activity to credit bureaus?

Yes, Commerce Bank Special Connections Visa Signature® 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 Visa Signature®

• Visit the Commerce Bank Special Connections Visa Signature® 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.