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Special Connections®
Low Intro APR Credit Card
Intro APR Offer:
Low Intro APR4 on purchases3 and balance transfers
Purchases & Balance Transfer APR:
0% Intro APR4 for the first 12 billing cycles on purchases3. Then, 19.49% - 30.49%.
Cash Advance APR (Non-Overdraft & Overdraft):
30.49%
Annual Fee:
Balance Transfer Fee:
$0 Intro Balance Transfer Fee for balances transferred in branch within 60 days of account opening. After that, the Fee is either $10 or 5% of the amount of each transfer.
Cash Advance Fee (Non-Overdraft & Overdraft):
Either $10 or 5% of the amount of each
Rewards5:
- 3% Cash Back1: Streaming, Cable & Ridesharing6
- 2% Cash Back1: Gas, Restaurants, Fast Food6
- 1% Cash Back1 all other purchases3
Zero Liability Fraud Protection7
Cell Phone Protection8:
Max value $200/claim
toggle®
Cash Back1 Credit Card
Early Spend Offer:
Get a $150 Cash Back1 Bonus2 when you spend $1,000 on purchases3 within your first 3 months after account opening.
Purchases & Balance Transfer APR:
19.49% - 30.49%.
Cash Advance APR (Non-Overdraft & Overdraft):
30.49%
Annual Fee:
Balance Transfer Fee:
Either $10 or 5% of the amount of each transfer.
Cash Advance Fee (Non-Overdraft & Overdraft):
Either $10 or 5% of the amount of each
Rewards5:
1.5% Cash Back1 :on every purchase3
Zero Liability Fraud Protection7
Cell Phone Protection8:
Max value $200/claim
Commerce Miles®
Travel Credit Card
Intro APR Offer:
Purchases & Balance Transfer APR:
0% Intro APR4 for the first 12 billing cycles on purchases3 then, 19.49% - 30.49%.
Balance transfers are 19.49% - 30.49%.
Cash Advance APR (Non-Overdraft & Overdraft):
30.49%
Annual and Foreign Transaction Fees:
Balance Transfer Fee:
Either $10 or 5% of the amount of each transfer.
Cash Advance Fee (Non-Overdraft & Overdraft):
Either $10 or 5% of the amount of each
Rewards5:
Zero Liability Fraud Protection7
Cell Phone Protection8:
Max value $200/claim
Disclosures:
- A cash Back redemption is applied as a statement credit. The statement credit will reduce your balance, but you are still required to make at least your minimum payment. Values for non-cash back redemption items, such as merchandise, gift cards and travel, may vary. See terms for: Special Connections®, toggle® and Commerce Miles® for full details.
- To qualify for the $150 Cash Back Bonus, you must use your new credit card account to make any combination of Purchase transactions totaling at least $1,000 excluding any transaction fees, returns, and adjustments, and excluding any type of Balance Transfer, Cash Advance, Cash Advance Transaction Fee or Cash Advance Interest charges, within the first 3 months from Account opening. A Cash Back Bonus is not valid unless customer spends the minimum amount within the designated time period. After qualifying, please allow 6 to 8 weeks for Cash Back Bonus points to post to your account. To be eligible for this bonus offer, the Account must be open and not in default at the time of fulfillment. Limit one (1) Cash Back Bonus offer per customer every 3 years.
- "Purchases" refers to "Net Merchandise Purchases" meaning purchases of merchandise or services on the Account, less any returned merchandise credits or service credits posted to the Account. Net Merchandise Purchases does not include Cash Advances, Balance Transfers or transactions using Convenience Checks or any associated fees. Other exclusions apply.
- We may end your Introductory APR and apply the Penalty APR if you fail to make the required minimum monthly payment within 60 days of the respective payment due date.
- Subject to change. See Rewards program Terms and Conditions for complete details.
- Please note that merchants self-select the category in which transactions will be listed and some merchants may be owned by other companies, therefore transactions may not be counted in the category you might expect. Purchases made using Near Field communication (NFC), virtual wallets, or similar technology may not be eligible for bonus points. Offer cannot be combined with other promotional offers or World Elite Mastercard® points earned for travel and restaurants.
- Customer must notify Commerce Bank within 60 days of receiving a statement with unauthorized Account activity.
- Subject to change. See Guide to Benefits for complete details.
