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.
09/25/2021
Love Commerce Bank
I use MANY Commerce Bank features for my account and all are great - Special Connections Credit Card, Checking Acct Debit Card, Reloadable Debit Card (for questionable transactions, Rewards, online account access and transfers between accounts - you have been GREAT on contacting me about questionable charges!
Dacia
Blue Springs, MO
Cardholder since 1981
07/21/2023
rewards
Apprciate the reward bonus
John S
Warren, OH
Cardholder since 2023
07/20/2023
It's the only Card I carry for my connivence.
Gunter K
Kansas City, MO
Cardholder since 1985
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
07/20/2023
awesome
I like the cash back option to be applied to my balance after earning points
Simone J
Lexington, IL
Cardholder since 2001
07/20/2023
My go to card
This is the only card I carry easy to use great customer service and really like perks
Robert H
Forney, TX
Cardholder since 1988
07/20/2023
I like the points earning options
Regina H
Saint Louis, MO
Cardholder since 2014
07/20/2023
Great
John S
Aurora, CO
Cardholder since 2005
07/20/2023
Kim O
Bryan, OH
Cardholder since 2015
07/20/2023
Gary S
Irving, TX
Cardholder since 2016
07/20/2023
Robert S
Bloomington, IL
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.
