Commerce Bank Special Connections® Credit Card Reviews: Is It Worth It? (2024)Reviews, rates, fees, and rewards details for The Commerce Bank Special Connections® Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership fees0% intro APR on purchases0% intro APR on balance transfersHigh rewards rateNo initial rewards bonusBalance transfer feeHigh regular APRForeign fee
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Commerce Bank Special Connections® Credit Card has a rating of 3.3/5 according to our proprietary credit card rating system. This rating reflects how appealing Commerce Bank Special Connections® Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Finance New Purchases'. To break it down further, Commerce Bank Special Connections® Credit Card earned a score of 4.3/5 for Fees, 3.3/5 for Rewards, 2.9/5 for Cost, 3.3/5 for APR, and 3.9/5 for User Reviews. Info about the Commerce Bank Special Connections® Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.9/5
78 reviewsRead and write reviews
Market Comparison
Market Comparison
3.2
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Finance New Purchases” for this card.
Fees
4.3
Rewards
3.3
Cost
2.9
APR
3.3
3.2/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
0% intro APR for 12 months, 19.49% - 30.49% (V) APR after that
Balance Transfer
0% intro APR for 12 months, 19.49% - 30.49% (V) APR after that
Balance Transfer Fee:5% (min $10)
Rewards
Earn 3% Cash Back (3 Points) on Streaming, Cable & Ride-Sharing services; 2% Cash Back (2 Points) on Gas, Fast Food and Restaurants.
Earn 1% Cash Back (1 Point) for every dollar in Net Purchases.
No cap on point earning.
Redeem for cash back, gift cards, travel, merchandise and more.
Commerce Bank Special Connections® Credit Card's Additional Info
You are covered with Zero Liability protection so you don’t pay for the unauthorized use.
24/7 Customer Service and Online Account Access.
Have peace of mind with complimentary, built-in Cell Phone Protection - up to $200 per claim.
Travel and Emergency Assistance Services, Roadside Dispatch® and ID Navigator powered by NortonLifeLock™.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
3.9
Market Comparison
3.2
fees: 4.3
rewards: 3.3
cost: 2.9
APR: 3.3
4.1WalletHub Rating
WalletHub Rating
4.1
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.2
User Reviews
3.6
Market Comparison
4.2
fees: 4.0
rewards: 5.0
cost: 4.3
APR: 3.8
(78)
(80)
annual fee$0
annual fee$0
Purchase Intro APR0% for 12 months
Purchase Intro APR0% for 15 months
transfer intro apr0% for 12 months|Transfer Fee:5% (min $10)
transfer intro apr0% for 15 months|Transfer Fee:3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer
Can't find what you are looking for? Submit your question about Commerce Bank Special Connections® Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
The starting credit limit for the Commerce Bank Special Connections® Credit Card is $500 or more; everyone who gets approved for this card is guaranteed this limit. However, depending on your credit standing, you could get a much higher credit limit. The higher your credit score and income are, the higher your starting credit limit is likely to be.
Keep in mind that you can ask to get a credit limit increase by calling customer service at (800) 645-2103, but it's best not to ask more than once a year. Commerce Bank might also evaluate your account periodically to determine whether you are eligible for a credit limit increase. Paying on time and keeping your credit utilization low are key for getting unsolicited credit line increases.
Commerce Bank Special Connections® Credit Card Reviews
Share your insights and review for the Commerce Bank Special Connections® Credit Card
5
8%
4
82%
3
6%
2
3%
1
1%
3.9
78 reviews
78 reviews
What's Your Rating?
Review sort
tbmena @tbmena
Report Abuse
1 Star Rating
We have had this card for about 6 months with a limit of $20K and we don't put our information on the internet and pay by phone....I tried to phone pay today $600 and change and you have to JUMP through all of their "hoops" like access numbers and no talking just pushing numbers. After several times trying to put my checking account numbers in it just keeps asking for the number over and over and over until I finally talked to a person who COULDN'T take my payment WITHOUT a $15 dollar charge!! Finally after 39 minutes and 42 seconds it FINALLY got processed! Someone needs to call Discover or AMEX to see that indeed you can make a SECURE payment in under TWO MINUTES!! It's going to be a LONG long time before we use this card again just because it's just too much of a bother even though they have some VERY good rewards for using it....HEY MANAGMENT, FIX THE PHONE PAYMENT PROCESS!!!!
show more
show less
Comment
1
0
pblalock48 @pblalock48
Report Abuse
2 Star Rating
Verified Customer
I received an offer letter in the mail from Commerce Bank, saying on it that I could receive a $250 bonus award after spending $1,000 within 90 days on a newly approved Special Connections Commerce Bank Visa card. All I had to do was call 1-800-571-6898 and say I wanted the card. The credit card was opened on Aug. 7th. I received the credit card in the mail 10 days later and opened the account on May 19.
I thought I had 90 days from the opening date on the account instead. I did not reach the 90 day required period because my 90 days was up on Aug. 6th. On August 6th, the balance on this commerce bank credit card was a little over $944. Instead I reached the minimum $1,000 in purchases on Aug. 8th, making it 92 days after opening the account.
I couldn't use this credit card until I had it in my possession and then called to request to open it. I don't think it is right for a bank not to count the 90 days from the opening date on the account instead, because someone can't begin using a credit card until they receive it in the mail and then open call to request it to be opened.
show more
show less
Comment
1
0
Curtiss @cuirtissdean
Report Abuse
5 Star Rating
Verified Customer
This truly is a great card and one I use almost every day. I really am happy with it and all the benefits that come with it. I've built my credit by buying my every day items and paying the bill in full once a month. Few times I ran a balance for a couple months and was impressed how I wasn't bombarded with outrageous interest. Thanks
show more
show less
Comment
0
0
Katie McDannald @katie.karl.mcdannald
Report Abuse
3 Star Rating
This is a fairly decent credit card. I've been relatively happy with it, and I've kept it for years and years and years. It came with my bank account. I use it for purchases like gasoline and groceries. I like the ease with which I can pay it, as I can just transfer money from my checking to my credit card. I am less happy with the rewards. There are many other cards out there that provide much better rewards. The points rack up very slowly. Sometimes bonus points "rotate" on types of places used, like Starbucks or whatever. But in the 6+ years I've had the card, I've only gotten bonus points on gas or groceries once and then it was like 3 points to the dollar. I use the card simply for convenience. One day I may switch to something that has a better rewards program.
show more
show less
Comment
1
0
Andrew Stratmann @adsandy
Report Abuse
4 Star Rating
This is a good basic card. It pays one point per dollar spent, which doesn't translate to one cent. There are opportunities to earn more points if you activate offers on the rewards site, but don't plan on making it rich just from using this card for day-to-day purchases. I don't ever carry a balance, so I can't comment on the interest charges. The lack of an annual fee is nice, and the customer service of Commerce's card center is great. They have a great customer team that is easy and pleasant to work with. The online banking feature is also helpful and makes it very easy to pay the bill each month. This isn't a high-roller's card, and there aren't tons of benefits, but you can count on earning reward points and a great customer service experience.
show more
show less
Comment
1
0
+ 73 WalletHub users submitted a rating without writing a full review
Review Commerce Bank Special Connections® Credit Card
* WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: Commerce Bank Special Connections® Credit Card
WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not the issuer’s responsibility to ensure all posts and/or questions are answered.