
Commerce Bank Special Connections Visa Signature®
Explore a similar product
Try this top product in Credit Cards.
Community Rating |
Rating not yet determined |
Purchase APR (Variable APR) |
15.24% - 28.24% (Verified 12/13/2022) |
Balance Transfer APR (Variable APR) |
15.24% - 25.24% (Verified 12/13/2022) |
Credit Score Range | 700 - 850 |
Annual Fee | $0 |
Commerce Bank Special Connections Visa Signature® Review
This is a cashback card issued by Commerce Bank. If you're wondering whether Commerce Bank Special Connections Visa Signature® is the right card for you, read on.
Key Takeaways
- 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 that ranges from 15.24% up to 28.24%.
- No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible 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 5% on balance transfers. For example, a balance of $1,000 could cost $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, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
- Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of Commerce Bank Special Connections Visa Signature®
The Good | The Bad |
---|---|
|
|
Commerce Bank Special Connections Visa Signature® FAQ
Does Commerce Bank Special Connections Visa Signature® have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1.5% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $15 back in cash.
Minimum rewards rate | 1.5x |
Max rewards rate | N/A |
Annual rewards limit | N/A |
Signup Bonus ($) | N/A |
Does Commerce Bank Special Connections Visa Signature® have a signup bonus?
This card doesn't offer a cash signup bonus.Does Commerce Bank Special Connections Visa Signature® offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Commerce Bank Special Connections Visa Signature® benefits?
It provides the following benefits:
- Free Credit Score
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.Commerce Bank Special Connections Visa Signature® has a variable purchase APR that ranges from 15.24% up to 28.24%. The card has a variable balance transfer APR that ranges from 15.24% up to 25.24%. It also has a variable cash advance APR of 28.24% . Note that late payments are subject to an APR of 30.24% 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 intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.
Description | |
---|---|
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period | 12 months |
Balance Transfer APR | 15.24% - 25.24% |
Balance Transfer Fee Minimum | $10 |
Balance Transfer Fee % | 5% |
Does Commerce Bank Special Connections Visa Signature® have an intro APR offer on new purchases?
Description | |
---|---|
Introductory Rate | 0% |
Purchase Intro APR Period | 12 months |
This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 12 months.
What are the fees for Commerce Bank Special Connections Visa Signature®?
The following fees apply:
- There is no overlimit fee
Fees | Amount |
---|---|
Annual Fee | $0 |
Overlimit Fee | $0 |
Foreign Transaction Fee | 2% |
Late Payment Fee | up to $40 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
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 foreign transaction fees.What is the customer service phone number for Commerce Bank Special Connections Visa Signature®?
The Commerce Bank Special Connections Visa Signature® customer service number is (800) 892-7100.
What is the support contact email for Commerce Bank Special Connections Visa Signature®?
The support contact email for Commerce Bank Special Connections Visa Signature® is mymoney@commercebank.com.
What is the Commerce Bank Special Connections Visa Signature® login page?
You can access the Commerce Bank Special Connections Visa Signature® login page here.
How do people rate the customer service and user experience of Commerce Bank Special Connections Visa Signature®?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Commerce Bank Special Connections Visa Signature® report your account activity to credit bureaus?
Yes, 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 may help improve your credit.
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 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 - (800) 892-7100
- Visit Site
- Email Support
Other Services by Commerce Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
Introductory Rate | 0% |
Purchase Intro APR Period (Variable APR) | 12 months |
Commerce Bank Special Connections Visa Signature® Community Reviews
Would you recommend Commerce Bank Special Connections Visa Signature® to your friends?
Commerce Bank Credit Cards
- Affinity FCU Pure Rewards Visa® Credit Card
- Banner Bank Deposit Secured Mastercard®
- Boscov's Credit Card
- Citizens Bank Wealth Cash Back Plus World Mastercard
- CorTrust Bank Visa Credit Card
- Edge Elite Card
- Fort Worth Community CU Mastercard Platinum Share Secured
- HawaiiUSA FCU Life Matters Premium Cash Back Visa® Credit Card
- Heritage Credit Union Visa Platinum Secured Credit Card
- Magnolia State Bank Classic Credit Card
- Meritrust Credit Union Visa Student
- Northrop Grumman FCU Low Rate Visa Card