Commerce Bank Special Connections Visa Signature® Review

Commerce Bank Special Connections Visa Signature® is a cashback credit card issued by Commerce Bank. 

Good credit. This card is designed for people with good credit. The minimum credit score to apply is 700.

Accepts cosigners. 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.

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

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.

What are the Commerce Bank Special Connections Visa Signature® fees?

No Annual Fee. Commerce Bank Special Connections Visa Signature® does not charge an annual fee.

2% Foreign transaction fees. 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.

The following fees apply to Commerce Bank Special Connections Visa Signature®:

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® 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 and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

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.