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.
09/17/2020
Love the Rewards!
I love the rewards that are offered.
KAYLA M
RAYMORE, MO
Cardholder since 2014
09/15/2021
little more than three questions
Mary
Prairie Village, KS
Cardholder since 1978
09/15/2021
I have never had and complications or problems in using this Credit Card. I like the blocking feature for if and when my information is ever being scammed and/or compromised by another unknown person. They have been such a comfort and help in resolving my concerns.
Patricia
Overland Park, KS
Cardholder since 2008
09/15/2021
Itâs ok
I try not to charge much so I do not use it much
Judith
Arnold, MO
Cardholder since 1996
09/15/2021
Easy to use website
The online website is easy to navigate through.
Lisa
Leavenworth, KS
Cardholder since 1995
09/15/2021
The fact that this card is both a credit card and a debit card is a blessing and a curse. More of a curse lately as many of the merchants I frequent do not have their IT systems set up to handle the credit option easily and sometimes they donât even realize that their system didnât function properly. Thus we have a lot of charges that go through as debits when we wanted them to go through as a credit! Itâs so bad they we have considered disconnecting the attachment to our checking account.
Mary
Saint Louis, MO
Cardholder since 1987
09/15/2021
Bryan Z
Manchester, MO
Cardholder since 2004
09/15/2021
35 year customer
Been with Commerce for 35 years. Now Commerce is charging a monthly fee for charge card & checking. I am seriously thinking on cancelling my account. Hate to do this since I have been there so long.
Joseph
Farmington, MO
Cardholder since 1986
09/15/2021
some changes needed
A no contact feature is needed, for example, Tap to Pay.
When using the Toggle feature, there is no way to have a credit added to the account without turning off Toggle which creates a debt after the credit is used. The whole point of Toggle is to not create a debt.
It is very difficult to understand how to use rewards points.
Marcia
Fulton, MO
Cardholder since 2008
09/15/2021
I think you guys are great--have had this acct for yrs and you are alw
always helpful. Thanks. Dean Larrick
Dean
Columbia, MO
Cardholder since 1989
09/15/2021
I mainly use my debit card but occasionally use a credit card.
It's very convenient to use either of my credit cards and then do an internal transfer from my checking or savings account to pay.
Eric
Florissant, MO
Cardholder since 1990
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.
