SuperMoney
  Commerce Bank Special Connections Visa Signature®

Commerce Bank Special Connections Visa Signature®

in Personal Credit Cards from Commerce Bank

Unaffiliated

Commerce Bank Special Connections Visa Signature®

Unaffiliated

in Personal Credit Cards from Commerce Bank

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend Commerce Bank Special Connections Visa Signature® to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
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

This 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 review will provide you with with all the details you need to make a good choice.

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 12.24% up to 25.24%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback 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 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®
The Good The Bad
  • 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.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Free access to your credit score.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Cardholders can earn rewards on purchases everywhere Commerce Bank Special Connections Visa Signature® is accepted.
  • Commerce Bank Special Connections Visa Signature® reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 2%.
  • Charges a 5% balance transfer fee.
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.

Commerce Bank Special Connections Visa Signature® Rewards
Minimum rewards rate 1.5x
Max rewards rate N/A
Annual rewards limit N/A

Does Commerce Bank Special Connections Visa Signature® have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Commerce Bank Special Connections Visa Signature® offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

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®?

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

It 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 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 Visa Signature® Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 12.24% - 25.24%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 5%

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

Commerce Bank Special Connections Visa Signature® 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 Visa Signature®?

The following fees apply:

  • There is no overlimit fee
Commerce Bank Special Connections Visa Signature® Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 2%
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 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 foreign transaction fees.

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

The Commerce Bank Special Connections Visa Signature® customer service number is (816) 234-2000.

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

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

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.

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.
  • 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

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
No Annual Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 2%
Minimum Interest Charge $2.50
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Co-signing Allowed
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Travel Assistance
  • Free Credit Score
  • Travel Accident Insurance
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 25.24%
Balance Computation Daily Balance (including new Purchases and Fees)
Penalty APR (Variable APR) 28.74%
Purchase APR (Variable APR) 12.24% - 25.24%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 12.24% - 25.24%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 5%
Card Type
  • Balance Transfer
  • Cashback
  • Rewards
  • Zero Percent
Card Network Visa

Be the first to rate

 

Would you recommend Commerce Bank Special Connections Visa Signature® to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Personal Credit Cards

Commerce Bank Personal Credit Cards

Loading...