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  Commerce Bank Special Connections Visa Signature®

Commerce Bank Special Connections Visa Signature®

in Personal Credit Cards from Commerce Bank

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Commerce Bank Special Connections Visa Signature®

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in Personal Credit Cards from Commerce Bank

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

Commerce Bank Special Connections Visa Signature® Review

Commerce Bank Special Connections Visa Signature® 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. This is everything you need to know to make a good choice.

  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 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 up to 12 months.
  • Competitive APRs. Commerce Bank Special Connections Visa Signature® has a variable purchase APR of up to 21.74%.
  • No annual fee. This is a great options for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 5% Balance transfer fee. Commerce Bank Special Connections Visa Signature® charges a fee of up to 5% on balance transfers. For example, a balance of $1,000 could cost up to $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 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 rental insurance, emergency support, extended warranty protection on purchases, travel assistance, and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • 0% APR on new purchases during the first 12 months.
  • No annual fee.
  • Has an introductory APR rate on balance transfers of 0%.
  • Multiple credit card perks.
  • Earn rewards on every purchase.
  • Commerce Bank Special Connections Visa Signature® reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel assistance insurance
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 2%.
  • Charges a 5% balance transfer fee

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 on balance transfers?

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.

Commerce Bank Special Connections Visa Signature® Balance Transfers
Description
Balance Transfer APR 11.74% - 21.74%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 12
Balance Transfer Fee % 5%
Balance Transfer Fee Minimum $10

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

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® Purchase Intro Offer
Description
Introductory Rate 0%
Purchase 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%
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

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

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