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.
09/16/2021
Annual statements very helpful; Use Rewards toward balance on my card
Really like the annual statement summary. Also like the rewards where I can redeem against the balance due.
Joyce
Lawrence, KS
Cardholder since 1992
10/21/2020
overall satisfied. digital statements and phone contacts difficult at times
STONY S
STURGEON, MO
Cardholder since 1989
10/21/2020
MARSHA C
INDEPENDENCE, MO
Cardholder since 1991
10/21/2020
Online access & transfer of records thru Quicken.
System is flawless. Direct Connect through Quicken allows me to effectively manage my checking and CC accounts with ease, auditing purchase transactions, verifying deposits or identifying unusual payee titles.
JAMES R
HAZELWOOD, MO
Cardholder since 1985
10/21/2020
I was unaware
To this is a card to do business with and I was unaware of most of the features because I don't use them. I find the reward points accumulate slowly but I don't use this card that much. I find the redemption process for reward points confusing.
TIMOTHY S
SAINT JOSEPH, MO
Cardholder since 2000
10/21/2020
MARY H
ARNOLD, MO
Cardholder since 2011
10/20/2020
I don't have a Special Connections MasterCard
KEVIN G
LENEXA, KS
Cardholder since 1998
10/20/2020
I'm not quite sure what features are included with my Special Connections.. I've had a credit card with Commerce for so long, I probably don't know when the features were introduced. I am happy to have my FICO score on my bill .I wish that rewards points expiration dates were on the bill also. I think I lost points in the past because they weren't on the bill..Also not happy that rental car collision damage is no longer offered or the warranty manager.
CAROL K
SAINT LOUIS, MO
Cardholder since 1986
10/20/2020
I've been a customer for years. Always there for you when needed.
JANE K
JEFFERSON CITY, MO
Cardholder since 2008
10/20/2020
Happy with my card
I am grateful for my credit and my statement notifications. I am concerned that it is hard to speak to someone during this COVID19 time. I called, left a message regarding a charge I did not make or approve and it took almost 2 weeks to get it rectified. I sent emails and called and end up contacting the person that charged on my card and informed them I had cancelled my subscription in May and the renewal wasn't until October. I hate that it is hard to contact a human. But I do like the people I have dealt with in the pass. Thank you
GERALDINE P
SAINT LOUIS, MO
Cardholder since 2004
10/20/2020
Ease of use and reliability
HOWARD T
CARTHAGE, MO
Cardholder since 1992
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.
