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.
10/08/2020
Best balance transfer rates around
The (old) balance transfers I have on my card have fantastic percentage rates. I will never use this card again until after I pay off those balance transfers, because the current % rate for purchases is outrageous now.
HEATHER K
CAMERON, MO
Cardholder since 2008
09/21/2021
Regina
Lincoln, NE
Cardholder since 1991
09/21/2021
Had card since 1987. Now I live in Colorado but kept card. I worked for Commerce for 16 years
Steven
Estes Park, CO
Cardholder since 1974
09/21/2021
It's decent
I love all the features, but struggle with the lack of appreciation of being a customer. I've had this card 15 years and only received 2 limit increases, but have never been late and know for sure my finances are way different now than before. So I'd say reviewing accounts needs help.
Krystal
Boonville, MO
Cardholder since 2007
09/21/2021
Awesome credit card company!
This is the only card I had years ago that didn't punish me for struggling, even though I made all payments ON TIME.
Sonia
Elsberry, MO
Cardholder since 1995
09/21/2021
Lee
Basehor, KS
Cardholder since 1986
09/20/2021
Things carry on smoothly. You're a pleasure to deal with.
The card is widely accepted; my statements are accurate and punctual; the few times that I've corresponded with your people I've been very satisfied. Keep up the good work!
Richard
Creve Coeur, MO
Cardholder since 1996
09/20/2021
NOT GOOD, NEVER GOT MY BILL BUT DID RECEIVE CONSOLIDATION CHECKS
I never received a bill in the mail I had to pay the bill through corispondence (sent them a check} so it wasn't late. I did get checks however at a NOT very low interest rate way before my bill which was never sent. PS. I am not signed up for on-line bill pay. Typical corporate America, pretend you care about family, and home but really only care about the all mighty dollar.
Michael
East Peoria, IL
Cardholder since 2007
09/20/2021
I disconnected the special connections...
I had trouble using the special connections... I don't use debit and it caused problems for me... Many machines REQUIRED a code to use the credit card... So now I no longer have a debit card...
T
Galena, MO
Cardholder since 2006
09/20/2021
what credit card are you talking about? my current one is still good.
this was a waste of my time
Thomas
Mena, AR
Cardholder since 1998
09/20/2021
Mary
Kansas City, MO
Cardholder since 1991
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.
