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.
09/15/2021
Happy customer
Commerce is always there for me if there is a question or help is needed. Thank you for all you do!
Margaret
Lees Summit, MO
Cardholder since 1972
09/19/2021
Commerce conection
There are some great features...find rewards hard to use. Use other credit cards.
Debra
Independence, MO
Cardholder since 1990
09/19/2021
Well done
My only issue is that there are very few Commerce Banks near me. The credit card service is great
Sharon
Saint Louis, MO
Cardholder since 1996
09/19/2021
Haven't received a statement for 2 months,
You have tried to verify my address for 2 months, I've been put on hold twice for over 45 min. while waiting for the security dept. and I hung up. If I didn't keep track of my bills, I would have been reported to the Credit Score companies as late payments to you. I've had no problems with American Express. You have a screwed up system. , When logging in you ask for last 4 of CC # and CCV code which I don't have because you asked me to shred my credit card. I will be cancelling my card after this is done. Been a card holder since 1980.
Brent E
O Fallon, MO
Cardholder since 1980
09/19/2021
APR
APR rates are too high relative to other credit cards. Written request for review and reduction has gone unanswered
Terrence
Florissant, MO
Cardholder since 1994
09/19/2021
Appreciate Commerce Bank
I have trust in Commerce Bank, so appreciate their credit card. I feel I can call or go to Commerce Bank if I need help with anything.
Elizabeth H
Lenexa, KS
Cardholder since 1999
09/19/2021
Arlene
Saint Louis, MO
Cardholder since 1992
09/19/2021
Not Happy with your Card
I do not like it being able to use as a Debit card. Some merchants always run it as a Debit card so I don't get points and you only pay 1% and the Citi Bank card I switched to pays 2%.
Joe
Springfield, MO
Cardholder since 1986
09/19/2021
Not happy
I didn't request a credit/debit and would prefer a credit only. Neither did I request a contactless debit card and don't want it.
Carol
Ballwin, MO
Cardholder since 2000
09/19/2021
Satisfactory
The card is a good way for me to shop without worrying about the credit limit. I earn rewards which I use toward paying off my credit card bill. However, there are too many fees added to it so much so I have limited the use of the card on an emergency basis.
Mitali
Valley Park, MO
Cardholder since 1990
09/19/2021
Reliable Resource
Special Connections Credit Card offers security in so many ways, especially for unexpected expenditures.
Elizabeth
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.
