USES

Special Connections® Visa® from Commerce Bank Review

Special Connections® Visa® from Commerce Bank — all information about the credit card.

Updated December 11, 2023
Advertiser Disclosure Our Methodology
Commerce Bank Special Connections® Visa®
Apply now
Our Rating:
5 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3% Cash Back on streaming, cable and ridesharing services.
    • 2% Cash Back on gas, restaurants, fast food.
    • 1% Cash Back on all other eligible purchases.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    0% Introductory APR for 12 monthly billing cycles after account opening
  • Regular APR:
    19.49% - 30.49% Variable
  • Balance Transfer APR:
    19.49% - 30.49% Variable
Show more

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Commerce Bank Special Connections® Visa® Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
3%
Streaming service
$
3%
Cable and satellite TV
$
3%
Rideshare
$
2%
Gas
$
2%
Dining
$
1%
All other purchases
$
Calculate
Show less details

All benefits

  • Cash back
    • 3% On streaming, cable and ridesharing services.
    • 2% On gas, restaurants, fast food.
    • 1% On all other eligible purchases.

Rate and fee information

  • Purchase Intro APR
    • 0% Introductory APR for 12 monthly billing cycles after account opening
  • Purchase APR
    • 19.49% - 30.49% Variable
  • Intro Balance Transfer APR
    • 0% Introductory APR for 12 monthly billing cycles after account opening
  • Balance Transfers APR
    • 19.49% - 30.49% Variable
  • APR for Cash Advances
    • 30.49% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 25 days after the close of each billing cycle. You will not be charged interest on Purchases if you pay the entire balance by the due date each month. You will be charged interest on Cash Advances and Balance Transfers on the transaction date.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • Either $10 or 5% of the amount of each Balance Transfer, whichever is greater
  • Fees for Cash Advances
    • Either $10 or 5% of the amount of each Cash Advance, whichever is greater
  • Penalty Fees
    • 32.49%
  • Late Payment
    • Up to $40
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
  • Intro APR period
Cons:
  • No welcome bonus
  • Foreign Transaction Fee

Features

Classic
Visa
  • 0% Intro APR
  • No Annual Fee
  • Cashback
  • Fraud Protection
  • Rewards
  • Purchase Protection
  • Good Credit
  • Excellent Credit

About the issuer

Commerce Bank
Commerce Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

Compare with other cards

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Upgrade Cash Rewards Visa®
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4.35 out of 5
Recommended credit score
score
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  • None
    Annual Fee
  • 14.99% - 29.99%
    Regular APR
  • 1.5%
    Cash Back on payments.
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    Purchase Intro APR
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Divvy Cross River Bank
Divvy
Cross River Bank
4.04 out of 5
Recommended credit score
score
Fair to Excellent (580-799)
  • None
    Annual Fee
  • None
    Regular APR
  • 2x - 7x:
    Points on restaurants.
  • None
    Purchase Intro APR
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Recommended credit score
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See Another Credit Cards in the Bank

Commerce Bank Special Connections® Visa® is an option for those, who need Classic features. With an APR of 19.49% - 30.49% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With Commerce Bank Special Connections® Visa® you will get such features as 0% Intro APR, No Annual Fee, Cashback, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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Recommended credit score
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    Purchase Intro APR
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