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.
07/19/2023
I love this card because it was 0% interest on balance transfers
I love this card because it was 0% interest on balance transfers and purchases for several months! It really helped me out!
Debra L
Fayetteville, AR
Cardholder since 2022
05/14/2021
Just works hood for me
Alex D
Lebanon, MO
Cardholder since 2020
05/14/2021
Decent Card
Overall the Special Connections Credit card is decent. I like that there are no fees. It would be nice to be able to choose the category(s) that earn higher points. It would also be wonderful if the points didn't expire as there are always circumstances which prevent the use of the points or to be able to accumulate the points to make larger point purchases such as trips, etc.
Rosinda K
Westmont, IL
Cardholder since 2006
05/14/2021
I gave it an excellent review on all accounts...
We have been with Commerce for more that 30+ years and are very satisfied. Thank you, for all the people you serve through Commerce Bank. It is much appreciated.
James C
Saint Louis, MO
Cardholder since 1992
05/14/2021
Kathleen T
Beaufort, MO
Cardholder since 2008
05/14/2021
No problems
I have not been aware of the many special features listed in this survey and honestly don't know what most of them are. But I've never had any problem with this card. It gives me what I want/need.
Rebecca C
Saint Louis, MO
Cardholder since 1994
05/14/2021
Low availability
I will be using other cards as my available balance have been reduced.
Christopher A
Skokie, IL
Cardholder since 2006
05/12/2021
Interest Rate is way to high - I have this card for emergencies only
Interest Rate is way to high - I have this card for emergencies only at this point
Catherine O
Saint Louis, MO
Cardholder since 2006
05/10/2021
Lost A Long Time Card Holder.....
This was once my favorite card. It is now my least favorite. I was unable to make on-line payments several times. I called customer service and never got help. Despite numerous emails and screen shots of my payment attempts, I was charged late fees and my credit limit was reduced. This negatively affected my credit.
Candy J
Rocky Point, NC
Cardholder since 2015
05/08/2021
Ann G
Des Moines, IA
Cardholder since 2018
05/08/2021
As expected
Not thrilled with the inability to cancel continuous charges.
Ralph P
Columbia, MO
Cardholder since 1994
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.
