Commerce Bank Special Connections Visa Signature®
in Personal Credit Cards from Commerce Bank
UnaffiliatedCommerce Bank Special Connections Visa Signature®
in Personal Credit Cards from Commerce Bank
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| 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.
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 $15 back in cash.
| Rewards rate (all purchases) | 1.5% |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | 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
- Fraud Liability
- Travel Assistance
- ID Theft Protection
- Reports to major credit bureaus
What are the relevant APRs for Commerce Bank Special Connections Visa Signature®?
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 12 months.
This card does offer an introductory APR rate on new purchases of 0% for a period of 12 months.
| Purchase APR | 11.74% - 21.74% |
| Balance Transfer APR | 11.74% - 21.74% |
| Cash Advance APR | Starting at 26.74% |
| Penalty APR | 28.74% |
What are the Commerce Bank Special Connections Visa Signature® fees?
The following fees apply to Commerce Bank Special Connections Visa Signature®:
| 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 website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
- 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.
Contact
- Headquarters
-
1000 Walnut Street
Kansas City, MO 64106 USA - (816) 234-2000
- Visit Site
Other Services by Commerce Bank
Availability
- 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
| Returned Payment Fee | $0 |
| No Interest Grace Period for Late Payment | 25 |
| Over-Limit Fee | $0 |
| Annual Fee | $0 |
| No Annual Fee | |
| Minimum Interest Charge | $2.50 |
| Late Fee Amount | $37 |
| Balance Transfer Fee % | 5% |
| Balance Transfer Fee Minimum | $10 |
| Foreign Currency Transaction Fee | 2% |
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Other Personal Credit Cards
Commerce Bank Personal Credit Cards
Commerce Bank Special Connections Rewards Visa
Rating not yet determined
Annual Fee
$0
Purchase APR
11.74% - 21.74%
Balance Transfer APR
11.74% - 21.74%
Credit Score Range
700 - 850
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