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Commerce Bank Special Connections Visa Signature®

in Personal Credit Cards

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Commerce Bank Special Connections Visa Signature®

Unaffiliated

in Personal Credit Cards

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Overview

Who is Commerce Bank's Visa Signature® Credit Card Designed For?

Commerce Bank's Signature Visa is designed for people with good credit want to earn rewards from their purchases and enjoy travel benefits without paying for an annual fee. The card also includes a 0% APR intro rate on balances and purchases, which is good news for people looking to buy expensive items and pay them over time without incurring interest or for people who are already carrying a balance on their current credit card.

Commerce Bank is based in Kansas City and has branches throughout Missouri, Illinois, Oklahoma and Colorado. The bank is insured by the FDIC, has $23.9 billion in assets, an A- rating with the BBB and a four star rating (out of five) with Bauer Financial.

What are the Rates for Commerce Bank's Visa Signature® Credit Card?

Commerce Bank's Visa Signature® Credit Card has rates on purchases and balance transfers ranging from 11.74% APR to 21.74% APR depending on the credit history of cardholders. New members receive a twelve-month 0% APR intro rate on both balance transfers and purchases. Cash advances come with a 26.74% APR and there is a 28.74% APR penalty rate to consider if you are late on a payment. Once the penalty rate is triggered it stays in place until the member makes six payments on time.

What Are the Fees for Commerce Bank's Visa Signature® Credit Card?

Commerce Bank's Visa Signature® Credit Card doesn't have an annual fee, an overlimit fee, or a returned payment fee. There is a 5% balance transfer and cash advance fee ($10 minimum) and a 2% foreign transaction fee. The foreign transaction fee is reduced to 1% when the transaction was in U.S. dollars.

What Is Commerce Bank's Visa Signature® Credit Card Rewards Program Like?

Commerce Bank's Visa Signature® Credit Card gives cardholders 1.5% per $1 spent on purchases. There is no limit to the number of points a cardholder can earn. However, points do expire after 5 years. Members can redeem points for travel, cash back, gift cards, or merchandise.

What about Commerce Bank's Visa Signature® Credit Card Signup Bonus?

Apart from the twelve-month 0% APR intro rate, there is no signup bonus for Commerce Bank's Visa Signature® Credit Card.

Does Commerce Bank's Visa Signature® Credit Card Have Any Other Benefits?

The Visa Signature card comes with prime benefits including concierge services, zero liability coverage, emergency card replacement, and auto rental collision damage waiver.

How Is Commerce Bank's Special Connections Visa with Rewards Better Than Other Credit Cards?

Commerce Bank's Visa Signature® Credit Card has competitive rates and no annual fee but still manages to include a rewards program and a twelve-month 0% APR intro rate. It also includes prime benefits such as zero liability coverage. The card provides valuable benefits and rewards without paying fees.

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

No Fees
Returned Payment Fee
$0
Grace Period for Late Payment (Days)
25
Over-Limit Fee
$0
Annual Fee
$0
No Annual Fee
 
List of Fees
Late Payment Penalty
$37
Minimum Interest Charge
$2.50
Balance Transfer Fee %
5%
Balance Transfer Fee Minimum
$10
Foreign Currency Transaction Fee
2%
Minimum Age
18
Co-signing Allowed
 
Credit Score Range
700 - 850
850 300 700
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type
Personal
Car Rental Insurance
 
Fraud Liability
 
Travel Insurance
 
Emergency Support
 
Free FICO Score
 
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Travel Assistance
Every Purchase
1% Cash Back for every dollar in Net Merchandise Purchases
Rewards Categories
  • Every Purchase
Percentage
Purchase APR
(Variable APR)
11.74% - 21.74%
    0% 29%
Percentage
Cash Advance APR
(Variable APR)
Starting at
26.74%
Balance Computation
Daily Balance (including new Purchases and Fees)
Penalty APR
28.74%
Introductory Rate
0%
Percentage
Balance Transfer APR
(Variable APR)
11.74% - 21.74%
    8% 29%
Introductory Rate
0%
Intro APR period (months)
12

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Other Personal Credit Cards

Commerce Bank Personal Credit Cards

Product

Reviews

Purchase APR

Balance Transfer APR

Annual Fee

Credit Score Range

Commerce Bank Special Connections Rewards Visa

Commerce Bank Special Connections Rewards Visa

1
 
 
1 total votes
Purchase APR 11.74% - 21.74%
(Variable APR)
    0% 29% Variable APR
Balance Transfer APR 11.74% - 21.74%
(Variable APR)
    8% 29% Variable APR
Annual Fee $0 Annual Fee
Credit Score Range 700 - 850     300 850