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.
09/15/2021
Overall Bart satisfied + a suggestion
I am very happy with my Visa card and Commerce Bank overall. My card is flexible and online access is very easy. And the rewards points are nice too!
Here is my suggestion. In September 2021 I forgot to make my payment on time. (Maybe for the first time). It was my fault and was very frustrating. Could the bank send an email reminder the due date or a day before? Not your responsibility to do this of course but would be very helpful in my situation.
Thanks Commerce for your excellent work!
Michael
Saint Louis, MO
Cardholder since 2004
04/26/2021
Cheryl L
Independence, MO
Cardholder since 2002
04/26/2021
Mark T
Peoria, IL
Cardholder since 2013
04/26/2021
Good customer service and accurate transactions -- but one problem
Good customer service and accurate transactions -- but I have one problem with this card: some vendors do not give me a choice of debit vs credit when I enter my card, so I do not know whether my bank account is going to be charged a debit, or the transaction will go to my credit card account. This has caused me a problem more than once, when a large transaction I asked to be run as "credit" ended up debiting my checking account instead. This seems to be dependent on the vendor's card reader.
Carole I
Ashland, MO
Cardholder since 1993
04/26/2021
Carole P
Saint Charles, MO
Cardholder since 1995
04/26/2021
I have never received my new card
They changed my credit card and was supposed to send new one but I have never received it
Brenda C
Springfield, MO
Cardholder since 1992
04/26/2021
It works the way I want it to, with very little effort on my part.
Cheryl W
Lawrence, KS
Cardholder since 1995
04/25/2021
Alexis S
Pueblo, CO
Cardholder since 2014
04/25/2021
Enjoy banking with commerce
Have banked with commerce for quite some time. Thank you
Cheryl H
High Ridge, MO
Cardholder since 2003
04/25/2021
Good card to have when you need a loan for a short period of time
Very satisfied with the ability to get a loan for a short period of time.
Bonita V
Odessa, MO
Cardholder since 2010
04/25/2021
Based on the way I use the card, I'm completely satisfied.
On a day-to-day basis, I use my card sparingly. On rare occasions I'll make high dollar purchases with it. Other than that, I won't use any of the other features afforded.
Edwin H
Excelsior Springs, MO
Cardholder since 2018
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.
