Special Connections® Credit Card Reviews
4.4/5 overall rating
(3769 reviews)
Get the card that rewards you with up to 3% Cash Back1 in all your favorite categories!2
1 Cash Back applied as a statement credit.
10/02/2021
My Special Connections credit card is my "go to" card. I always reach for it first.
Vicki
Raytown, MO
Cardholder since 2002
10/01/2021
Karen
Bloomington, IL
Cardholder since 2008
10/01/2021
dependable
Always carry my card for back up. Like the pay pal feature.
Neil
Jerico Springs, MO
Cardholder since 1968
10/01/2021
Virginia
Saint Louis, MO
Cardholder since 2000
10/01/2021
Paul H
Saint Louis, MO
Cardholder since 1996
10/01/2021
i have not used this card untill I pay off my balance transfer bal.
Dorothy
Saint Louis, MO
Cardholder since 2000
10/01/2021
I do not use the Visa card unless someone doesn't take my Discover.
I keep earning points but do not get enough to even use, so I stopped using it unless companies do not use Discover. You use my money to invest and earn money for yourself, but do not pay an
honest interest compared to what you get. Charging to see your statements on-line is @$^*(&%#!
Carolyn G
Valley Park, MO
Cardholder since 1985
10/01/2021
James
Harrisonville, MO
Cardholder since 2009
10/01/2021
My card does itâs job, the account changes too much.
The actual credit card never gives me any problems, itâs the checking account from Commerce that irritates me. Iâve had my account since 2005 I think, and for years it was same same same. But in the past few years, the account guidelines have changed a ridiculous amount and I canât keep up. One year itâs A that gets you charged a monthly fee, but B is fine. The next year itâs switched-B is fine, but A gets a fee. The changes seem arbitrary and I canât imagine they make much difference except for tricking people into signing up for a not free account. Iâm a single mom and $8 a month is a lot to be charged for some random malfeasance. It really seems like itâs usually people with less money, less direct deposits, etc that get penalized and thatâs really wrong. Just get rid of the service charges and set it as a pay account if thatâs what youâre aiming for. Tricking your customers into fees they might not catch on time by consistently changing account rules is rancid. Placing the changes in small print at the end of your statement isnât enough. Any change that results in charges should be a separate notification. Iâve also repeatedly been told by tellers/managers that my accountâs been switched back to something âfreeâ and then kept getting charges anyway. But they can âonly refund 5 months feesââ¦. When it was their âmistakeâ?? Nope, thatâs nonsense. I loved this bank for years, but Iâm about done with Commerce.
Lisa
Lawrence, KS
Cardholder since 2005
10/01/2021
Long time customer.
I can count on Commerce Bank for my banking needs. I appreciate their customer service too. Iâve been banking with Commerce for over 30 years.
Renee
Chesterfield, MO
Cardholder since 1994
10/01/2021
Been with Commerce for a very long time glad to see you are making some changes.
Sally
Kansas City, MO
Cardholder since 1995
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. Visit commercebank.com/cashrewardsterms for full rewards program 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.
Use of Commerce Bank Credit Cardholder Ratings & Reviews: The credit-card ratings and card-specific reviews displayed on commercebank.com were submitted by verified Commerce Bancshares, Inc. (Commerce Bank) credit-card holding customers who voluntarily completed a customer satisfaction survey. The numerical/visual star ratings and corresponding feedback should not be considered or interpreted as the opinions and viewpoints of all Commerce Bank clients and are utilized for information-only and product-enhancement purposes. Ratings and reviews are specific to the credit-card product type displayed. Commerce Bank does not endorse or guarantee review submissions and assumes no liability for actions or decisions based solely on, or a combination of, utilizing these customer ratings and reviews as a definitive point of reference when deciding to apply for a Commerce Bank credit card. Product offerings, benefits and promotional offers may change over time and some submissions might not reflect the most-current offerings.
Prior to publishing all ratings, reviews and recommendations online at commercebank.com, comments and reviews were filtered for profanity; spelling errors are subject to correction. These surveys were sent in August and September 2019 using a 10-point scale, which has been converted to a 5-star scale, where 10-9 points = 5 stars; 8-7 points = 4 stars; 6-5 points = 3 stars; 4-3 points = 2 stars and 1-2 points = 1 star. Overall visual-star ratings adjacent to each credit card are an aggregated average of all ratings received.
