Commerce Bank Special Connections Visa Signature®
in Personal Credit Cards from Commerce Bank
UnaffiliatedCommerce Bank Special Connections Visa Signature®
in Personal Credit Cards from Commerce Bank
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| Purchase APR (Variable APR) | 12.24% - 25.24% |
| Balance Transfer APR (Variable APR) | 12.24% - 25.24% |
| Credit Score Range | 700 - 850 |
| Annual Fee | $0 |
Commerce Bank Special Connections Visa Signature® Review
Commerce Bank Special Connections Visa Signature® is a cashback credit card issued by Commerce Bank. If you're wondering whether Commerce Bank Special Connections Visa Signature® is the right card for you, read on. This is everything you need to know to make a good choice.
- 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 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 Visa Signature® 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.
- Multiple credit card benefits. Includes generous credit card perks, such as and fraud protection.
- Good or better credit required. You should probably try with another card if your credit score is below 700.
| The Good | The Bad |
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Is there a Commerce Bank Special Connections Visa Signature® cash back or rewards program?
Commerce Bank Special Connections Visa Signature® is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Commerce Bank Special Connections Visa Signature® you receive 1.5% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $15 back in cash.
| Rewards rate (all purchases) | 1.5% |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
Does Commerce Bank Special Connections Visa Signature® have a signup bonus?
Commerce Bank Special Connections Visa Signature® doesn't offer a cash signup bonus.Does Commerce Bank Special Connections Visa Signature® offer an annual loyalty bonus?
Commerce Bank Special Connections Visa Signature® doesn't offer a cash loyalty bonus.What are the Commerce Bank Special Connections Visa Signature® benefits?
Commerce Bank Special Connections Visa Signature® provides the following benefits:
- ID Theft Protection
- Reports to major credit bureaus
What are the relevant APRs for Commerce Bank Special Connections Visa Signature®?
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 Visa Signature® has lower than average purchase APRs.Commerce Bank Special Connections Visa Signature® 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 28.74% 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 Visa Signature® have an introductory APR offer on balance transfers?
Yes, Commerce Bank Special Connections Visa Signature® offers an introductory APR rate on balance transfers of 0% for a period of up to 12 months.
| Description | |
|---|---|
| Balance Transfer APR | 12.24% - 25.24% |
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period (months) | 12 |
| Balance Transfer Fee % | 5% |
| Balance Transfer Fee % After Intro Period | N/A |
| Balance Transfer Fee Intro Period (days) | N/A |
| Balance Transfer Fee Minimum | $10 |
Does Commerce Bank Special Connections Visa Signature® have an introductory APR offer on new purchases?
This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 12 months.
| Description | |
|---|---|
| Introductory Rate | 0% |
| Purchase Intro APR Period (months) | 12 |
What are the fees for Commerce Bank Special Connections Visa Signature®?
The following fees apply to Commerce Bank Special Connections Visa Signature®:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 2% |
| Late Payment Fee | up to $40 |
Does Commerce Bank Special Connections Visa Signature® have a foreign transaction fee?
Commerce Bank Special Connections Visa Signature® 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 a foreign transaction fee.Does Commerce Bank Special Connections Visa Signature® report your account activity to credit bureaus?
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 can 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 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.
Contact
- Headquarters
-
1000 Walnut Street
Kansas City, MO 64106 - (816) 234-2000
- Visit Site
Other Services by Commerce Bank
Availability
- 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
| Every Purchase (Points) | 1% Cash Back for every dollar in Net Merchandise Purchases |
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