Commerce Bank Special Connections Visa Signature® Review

Commerce Bank Special Connections Visa Signature® is a cashback credit card issued by Commerce Bank. 

This card is designed for people with good credit. The minimum credit score to apply is 700. Commerce Bank is one of the few credit card issuers that allows applicants to include a cosigner, which improves the approval chances of people with not-so-great credit. 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.

Pros & Cons of Commerce Bank Special Connections Visa Signature®

The Good

The Bad

Lower than average purchase APRs. No annual fee. Has an introductory APR rate on balance transfers of 0%. Multiple credit card perks. Cardholders can earn rewards on their purchases. Offers auto rental collision damage waiver. Includes emergency support. Extended warranty protection on purchases. Travel Assistance. Earn rewards on every purchase. Commerce Bank Special Connections Visa Signature® reports to multiple credit bureaus.

Does not offer a signup bonus. Charges a foreign transaction fee of 2%.

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.

Commerce Bank Special Connections Visa Signature® Rewards

Rewards rate (all purchases)	1.5%
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A

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

Commerce Bank Special Connections Visa Signature® provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Travel Assistance
• 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 11.74% up to 21.74%. The card has a variable balance transfer APR that ranges from 11.74% up to 21.74%. It also has a variable cash advance APR starting at 26.74% . 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.

Commerce Bank Special Connections Visa Signature® Balance Transfers

Description
Balance Transfer APR	11.74% - 21.74%
Introductory Rate	0%
Intro APR period (months)	12

Commerce Bank Special Connections Visa Signature® Rates & Terms

Description
Balance Computation	Daily Balance (including new Purchases and Fees)
Purchase APR	11.74% - 21.74%
Credit Limit	N/A
Penalty APR	28.74%
Cash Advance APR	Starting at 26.74%
Introductory Rate	0%
Intro APR period (months)	12

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

The following fees apply to Commerce Bank Special Connections Visa Signature®:

• There is no overlimit fee

Commerce Bank Special Connections Visa Signature® Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	2%
Balance Transfer Fee	5%
Minimum Balance Transfer Fee	$10
Returned Payment Fee	$0
Late Payment Fee	$37

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 score.

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.