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
Cast your vote

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

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend

Highlights
Highlights
Annual Fee $0
Purchase APR  (Variable APR) 11.74% - 21.74%
Balance Transfer APR  (Variable APR) 11.74% - 21.74%
Credit Score Range 700 - 850

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

    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:

    • 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.

    Does Commerce Bank Special Connections Visa Signature® have an introductory APR offer?

    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.

    This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 12 months.

    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® 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 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.

    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...

    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      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

    Annual Fee $0
    No Annual Fee  
    No Interest Grace Period for Late Payment 25
    Over-Limit Fee $0
    Returned Payment Fee $0
    Balance Transfer Fee % 5%
    Balance Transfer Fee Minimum $10
    Foreign Currency Transaction Fee 2%
    Late Fee Amount $37
    Minimum Interest Charge $2.50
    Co-signing Allowed  
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Card Network
    • Visa
    Card Type
    • Balance Transfer
    • Cashback
    • Rewards
    • Zero Percent
    Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
    Car Rental Insurance  
    Credit Card Benefits
    • Auto Rental Collision Damage Waiver
    • Emergency Support
    • Extended Warranty Protection
    • Fraud Liability
    • Identity Theft Protection
    • Travel Assistance
    Emergency Support  
    Fraud Liability  
    Free FICO Score  
    Travel Insurance  
    Rewards Categories
    • Every Purchase
    Cash Advance APR (Variable APR) Starting at 26.74%
    Purchase APR (Variable APR) 11.74% - 21.74%
    Balance Computation Daily Balance (including new Purchases and Fees)
    Introductory Rate 0%
    Penalty APR 28.74%
    Balance Transfer APR (Variable APR) 11.74% - 21.74%
    Intro APR period 12
    Introductory Rate 0%

    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
    Cancel my vote
    (will require moderator approval)

    Other Personal Credit Cards

    Commerce Bank Personal Credit Cards

    Product

    Reviews

    Annual Fee

    Purchase APR

    Balance Transfer APR

    Credit Score Range

    Commerce Bank Special Connections Rewards Visa

    Commerce Bank Special Connections Rewards Visa

    Rating not yet determined

    1 total votes
    In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
    Annual Fee $0 Annual Fee
    Purchase APR 11.74% - 21.74%
    (Variable APR)
        0% 36% Variable APR
    Balance Transfer APR 11.74% - 21.74%
    (Variable APR)
        5% 29% Variable APR
    Credit Score Range 700 - 850     300 850