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
Cash Back at 1.5% is great
The cash back is easy to redeem and great to have! If you pay the balance every month it's free money. In my opinion Commerce could get rid of the other rewards because they never seem to be a better deal than just getting the cash back. For instance I can redeem 1 to 1 ratio on an airline ticket, or I could buy the ticket on the card (get the points for the purchase) then redeem the points at a 1.5 to 1 ratio for cash back.
Michael
Aurora, CO
Cardholder since 2003
07/29/2023
easy and straightforward
card and rewards are so easy to understand and use
Kathryn A
Xenia, OH
Cardholder since 2023
07/28/2023
Cars has bee great no issues.
Satisfied with the card no issues.
Kyle C
Tulsa, OK
Cardholder since 2007
07/28/2023
Love commerce bank
Bonnie U
Hendersonville, TN
Cardholder since 2015
07/28/2023
Jonathan S
Lovell, ME
Cardholder since 2017
07/28/2023
Commerce bank is a great card to have, with great rewards.
Jill H
North Lawrence, OH
Cardholder since 2017
07/28/2023
Commerce is my go-to for reducing CC debt
Joseph D
Attica, IN
Cardholder since 2019
07/28/2023
You processed a large payment I sent on time, late with resultant fees
Please beware. I had a large balance on this card. I sent a payment for the full balance for this payment early as I had done for many months. They did not credit the payment until the due date and charged me a $50 late and over $100 in finance charges.
Paul F
Austin, TX
Cardholder since 2021
07/28/2023
Noordin A
Farragut, TN
Cardholder since 2023
07/28/2023
Randee S
Chesterfield, MO
Cardholder since 1998
07/27/2023
Interest accrual is very confusing
We were on a trip and used this card to get a cash advance, realizing we would pay a service fee. This was the only charge on the card for the month. We transferred money to pay off the balance as soon as we got home, before the statement arrived. When the statement did arrive, it had an interest charge on it! Customer service told me that interest accrues daily on cash advances, but if we had waited until we got the statement, there would have been no interest charge. They removed the interest charge, but the way this works is totally confusing.
B W
Maryland Heights, MO
Cardholder since 1998
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.
