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.
07/20/2023
Pretty Darn Good Credit Card
Credit cards as a rule are both good and not so good - in some cases bad. Bad in that it is fairly easy to get into financial trouble using any credit card. Not so good in that if not properly managed, the finance charges essentially increase the cost of what is paid for, and it can take a long time to pay off. Good in that with discipline and management, there are real benefits. We like the rewards and use it for travel, including rental cars, hotel rooms, and fuel savings. Using a credit card provides some financial protection, because cybercriminals can't hack into your checking and savings through a credit card, like they could through a debit card. And there are limits on what you can be liable to pay if your account gets hacked Having said all that, we only have 3 cards, and Commerce Visa is one of them. We use it in place of the debit card which helps track spending. The interest rates are too high, but that is the case with all credit cards. At least Commerce is competitive. We are able to see the credit card account through our online bank access - one less user name and password to remember.
Steven B
Cedar Hill, MO
Cardholder since 2001
09/15/2021
Deborah
Saint Louis, MO
Cardholder since 1989
09/15/2021
Good Customer service
Had a few hiccups, but customer service was extremely helpful.
Connie D
Saint Louis, MO
Cardholder since 2004
09/15/2021
Wonderful card for my main credit card
The one thing that I wish was clearer, is when there are specials, Iâm never clear if I have to do anything to be enrolled in the special. The main thing Iâm always concerned with is that anything I click doesnât affect my current programs or settings. Thanks!
Richard
Shawnee Mission, KS
Cardholder since 1994
09/15/2021
It works
Had the commerce card for years. When I need it it works.
Sharon
Weston, MO
Cardholder since 1976
09/15/2021
Gary H
Arnold, MO
Cardholder since 1985
09/15/2021
Rozetta
Maryland Heights, MO
Cardholder since 1988
09/15/2021
Glenwood
Hillsboro, MO
Cardholder since 2006
09/15/2021
Happy with using this system.
Don't Appreciate the waiting to talk to someone when I call. Hardly ever call in because this problem!
David
Garden Plain, KS
Cardholder since 2005
09/15/2021
Good experience so far
Iâve banked with Commerce for many years. The credit card is the one area with Commerce that Iâve enjoyed quality service. I plan on keeping it after I close my other three Commerce accounts.
John
Branson, MO
Cardholder since 2009
09/15/2021
Marie
Webster Groves, MO
Cardholder since 1985
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.
