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.
10/15/2021
Long-time Customer
I find no fault in my financial relationship with Commerce Bank, other than high interest on my accounts and no way to gain credit somehow annually. Regardless, I've been a customer for over 45 years. Thus proof of my loyalty. Still, currently now retired and on a fixed-income, there should be sort of Tenure Appreciation Program available.
Charles
Kansas City, MO
Cardholder since 1986
09/16/2021
Doesn't work alot
1st in the past redeeming awards was impossible. It was so difficult I gave up. Iv lost probably 80 thousand points. 2nd a lot of times when using the card it either doesn't give an option for debit, and runs it as credit. Other times when it does offer the choice between debit or credit the screen won't allow either choice. The clerk would say I have never seen that before. 3rd my intrest rate is extremely high. Twice the rate when the card was issued in 1992.
Kelly
Hays, KS
Cardholder since 1992
09/16/2021
Joseph
Saint Louis, MO
Cardholder since 2006
09/16/2021
Commerce is there when I need them
I have had problems only once with someone using my credit card. Commerce notified me of the charge and told me for security reasons they were cancelling my card and issuing another. Commerce was watching to protect me.
Troy
Cedar Hill, MO
Cardholder since 1986
09/16/2021
Trouble using the ATM
From time to time I use the ATM . I tried today. I used the ATM by the front door next to the parking lot. I had to insert my debt card several times with no success. I was in a hurry so I went to the one in the back, next to Hardee's. It worked on the first try. I think something must be wrong with the ATM in front. I use the ATMS on @24 Hiway in Independence MO. 64058.
Victoria
Independence, MO
Cardholder since 1994
09/16/2021
i have not used this credit card enough to earn and benefits.
Kenneth K
Saint Louis, MO
Cardholder since 1997
09/15/2021
Higher rewards please
Kathleen
New Haven, KY
Cardholder since 1990
09/15/2021
John
Barrington, IL
Cardholder since 2009
09/15/2021
I want paper
Don't want anything on line other than mY banking. WaNT SUMMARY ON PAPER/ WANT A PAPER EXPLANATION OF ALL THIS OTHER STUFF i AM UNAWARE OF. hAVE TRIED TO GET TO SOME OF ON LINE AND OF CPURSE HAVE BEEN UNSECESSFUL
Kenneth N
Independence, MO
Cardholder since 1973
09/15/2021
Very pleased with the customer service
That's why I have had an Visa with Commerce Bank since 1999
Linda
Benton, MO
Cardholder since 1999
09/15/2021
Typically Bank Credit Card
Nothing special. Same features and benefits as my other cards.
Peter
Ofallon, IL
Cardholder since 2009
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.
