Commerce Bank Special Connections® Visa
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Card network
- Visa
- Intro purchase APR
- 0% for 12 months from account opening date
At a glance
The Commerce Bank Special Connections® Visa is a credit card that offers seamless integration with an existing Commerce Bank checking account. This integration allows users to pay with either their cash back rewards credit card or a connected checking account at select retailers. The card also earns 3% cash back at coffee shops, fast food, and ride shares; 2% cash back on gas and restaurant purchases; and 1% cash back for every other purchase – all for no annual fee.
Our review of the Commerce Bank Special Connections® Visa
The Commerce Bank Special Connections® Visa is a one-of-a-kind credit card option from Commerce Bank that aims to maximize the benefits of the Commerce Bank Credit Card. By linking the card to a Commerce checking account, users have the flexibility to pay with either their credit card or debit card at their convenience.
Requires an Eligible Commerce Bank Account
Connecting the Commerce Bank Special Connections® Visa to a qualifying checking account is a simple process that can be done online through Commerce Bank. Once linked, cardholders can access both accounts at ATMs and have the choice to pay with either their credit card or debit card, depending on the retailer.
While the account-linking feature is convenient, it may have limited usability depending on the retailer. However, the card also functions as a rewards credit card with impressive benefits.
Earn Up to 3% Cash Back
The Commerce Bank Special Connections® Visa offers unlimited cash back on everyday purchases, with higher rates in specific categories. Cardholders can earn up to 3% cash back on streaming, cable services, and ridesharing. Additionally, they can receive 2% cash back on gas and dining, including fast food restaurants, and 1% cash back on all other purchases.
Other Card Features
New cardholders can take advantage of a special introductory rate of 0% intro APR on purchases and balance transfers for the first 12 months. After the introductory period, a variable APR applies. The card has no annual fee and provides comprehensive liability and fraud protections.
Should You Apply for the Commerce Bank Special Connections® Visa?
The Commerce Bank Special Connections® Visa is an appealing choice for existing Commerce Bank customers looking for a versatile rewards card. With competitive cash back rates and the unique feature of choosing between credit and debit payments, this card stands out among other options. If you’re a Commerce Bank customer, this card could be a great fit for your financial needs.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- 3% cash back at coffee shops, fast food, and ride shares
- 2% cash back on gas and restaurants
- 1% cash back on all other purchases
- 0% introductory APR for 12 months from account opening
- Connect your debit and credit cards in once account
- No annual fee
Who this card may suit
- You already bank with Commerce Bank
- You want the flexibility to pay with either your card or your checking account
- You don’t want to pay an annual fee
- You want to earn solid cash back rewards for your everyday purchases
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Intro Purchase APR | 0% for 12 months from account opening date |
| Regular Purchase APR | 19.24% to 30.24% variable based on creditworthiness and the Prime Rate |
| Intro Balance Transfer APR | 0% for 12 months from account opening date |
| Balance Transfer APR | 19.24% to 30.24% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | Either $10 or 5% of the amount of each balance transfer, whichever is greater |
| Cash Advance APR | 30.24% variable based on creditworthiness |
| Cash Advance Transaction Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction Fee | 1% of each transaction in U.S. dollars; 2% of each transaction made in currencies otherthan U.S. dollars |
| Penalty APR | 32.24% variable based on the Prime Rate |
| Late Payment Penalty Fee | Up to $40 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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Commerce Bank Special Connections® Visa
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