Last Updated: 07/28/2025
Commerce Bank Special Connections Visa Signature®
Unaffiliated
in Credit Cards from Commerce Bank
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
15.24% - 28.24%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
15.24% - 25.24%(Verified 06/21/2024)
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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.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 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 12 months.
- APRs: Commerce Bank Special Connections Visa Signature® has a variable regular 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.
- A 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 up to 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 Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Commerce Bank Special Connections Visa Signature®
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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.
| Description |
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?
Commerce Bank Special Connections Visa Signature® 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.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.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 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 15.24% - 25.24% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Commerce Bank Special Connections Visa Signature® have an intro APR offer on new purchases?
| 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 12 months.
What are the fees for Commerce Bank Special Connections Visa Signature®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 up to 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 customer service number for Commerce Bank Special Connections Visa Signature® 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.
What is the login page for Commerce Bank Special Connections Visa Signature®?
You can access the login page of Commerce Bank Special Connections Visa Signature® here.
How do people rate the customer service and user experience of Commerce Bank Special Connections Visa Signature®?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Commerce Bank Special Connections Visa Signature® report your account activity to credit bureaus?
Yes, Commerce Bank Special Connections Visa Signature® reports to the following credit bureaus:
- 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 build your credit.
Does Commerce Bank perform a hard credit pull?
Yes, Commerce Bank Special Connections Visa Signature® performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Commerce Bank Special Connections Visa Signature®
- Visit the website of Commerce Bank Special Connections Visa Signature®.
- 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.
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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.
Hours of Operation
Sunday
Closed
Monday
8:00AM - 8:00PM
Tuesday
8:00AM - 8:00PM
Wednesday
8:00AM - 8:00PM
Thursday
8:00AM - 8:00PM
Friday
8:00AM - 8:00PM
Saturday
8:00AM - 4:00PM