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Special Connections® Credit Card Reviews


Special Connections Visa Signature credit card
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.
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08/01/2023

Fees are really high

Accidentally paid a bill out of the wrong account and didn’t notice it. It has cost me $130. That is a stupid amount of money for a mistake.
Ashley A
Columbia, MO
Cardholder since 2011
08/01/2023

Good card to have

Other than wishing the rewards program redemption points were lower, to be more in line with competitors, I am pleased with this card. I need to read up on the features as there are some great ones which I was unaware of.
Jan C
Atlanta, GA
Cardholder since 2010
08/01/2023

Very easy

Great service
Patricia E
Saint Paul, MO
Cardholder since 2013
08/01/2023

Benefits

Very poor % benefit
Derek M
Palos Heights, IL
Cardholder since 1996
08/01/2023
Mary C
Saint Louis, MO
Cardholder since 2009
08/01/2023
Paul L
Saint Louis, MO
Cardholder since 2015
08/01/2023

Stop Surveys

I don't want constant email about answering surveys. More emails lowers my view of Commerce.
Robert A
Columbia, MO
Cardholder since 2014
08/01/2023
Stephen C
Lubbock, TX
Cardholder since 2015
08/01/2023
Leaving Commerce soon due to not approving a higher credit card limit
Daniel W
Ballwin, MO
Cardholder since 2014
08/01/2023
Lisa K
Corinth, ME
Cardholder since 2017

Disclosures:

  1. 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.

  2. 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.

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