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.
09/23/2021
Happy Customer
I have had my Commerce credit card since 1991 and am extremely happy with my experience with this institution. They have helped me with my credit over the years and I am extremely loyal to them.One of the main reasons I still carry their cards is the low interest charged on balances carried over when I am unable to pay off a card each month. This really helps me at times. They are not like other banks who constantly up their interest on balances. I always refer friends and family to do business with these fine people. I hope to continue banking with this bank and trust they will never merge with one that might destroy a good relationship.
John
Cleveland, TN
Cardholder since 1991
07/26/2023
Credit Card
The money back feature is so low, I use my Discover card most of the time.
Wendy S
Ballwin, MO
Cardholder since 2013
07/26/2023
Gerald M
Springfield, MO
Cardholder since 2015
07/26/2023
It's a good card, not a great card
Mark I
Shawnee Mission, KS
Cardholder since 1993
07/26/2023
Wilson S
Topeka, KS
Cardholder since 2015
07/26/2023
A card that works for me.
There are features you can use, but it's not necessary if you just want a basis credit card. I like a credit card because it saves me the trouble of carrying cash.
Robert R
Saint Louis, MO
Cardholder since 2015
07/26/2023
Awesome service
Very satisfied with the business-like professionalism of Commerce Bank
Godwin O
Tyler, TX
Cardholder since 2015
07/26/2023
Holds on payments
First time in having the card in 5+ years and I had a return payment. I use my card for daily expenses and pay it off every month. My checking is with another financial institution. Made a payment but there was some confusion with my checking account. First time ever. And the payment got returned from credit card. Once I realized what happened I corrected my checking account and made another payment. The next day I verified the money cleared my checking and showed applied to this credit card. However, my card was still getting declined. I called and spoke with a supervisor named Tom in customer service who told me a 10-day hold was placed on the payment! I’ve never heard of this before. And he told me there is no one at the bank that could release the hold to make an exception even though this is the first time this has happened. And there is record of my consistent monthly on time payments. This is the exact reason I will never bring my money over to Commerce Bank. They just don’t care.
Frank K
Columbia, MO
Cardholder since 2015
07/26/2023
Janet M
Peoria, IL
Cardholder since 1995
07/26/2023
Special connections
Been a holder of a special connections card an never once been offered a upgrade to my credit limit.
Bruce M
Topeka, KS
Cardholder since 2015
07/26/2023
Ease of use on all features.
Dennis M
Cleveland, OH
Cardholder since 2017
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.
