Special Connections® Visa Signature®
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Card network
- Visa
- Intro purchase APR
- 0% for 12 months of account opening
At a glance
The Special Connections® Visa Signature® from Commerce Bank is a decent cash back rewards and travel rewards credit card for everyday use. The card earns a flat-rate 1.5% cash back on all purchases, with other options for rewards redemption that include gift cards, travel, merchandise, or statement credits. The card also boasts 0% introductory APR for the first 12 months, no pre-set spending limits, and no annual fee.
Our review of the Special Connections® Visa Signature®
Looking for a cash back rewards credit card with top-notch travel services? The Special Connections® Premium Visa Signature® from Commerce Bank has you covered. With unlimited cash back on purchases, a $200 welcome offer, and no annual fee, this card is a standout in its category.
$200 Welcome Offer
New cardholders can earn a $200 cash back bonus after spending $2,000 within the first three months of account opening. That’s a generous 10% cash back on your first $2,000 in purchases, on top of the card’s ongoing rewards.
Unlimited 1.5% Cash Back on All Purchases
The Special Connections® Premium Visa Signature® earns a flat rate of 1.5% cash back on every purchase, with no limits on how much you can earn. Rewards can be redeemed for points, gift cards, travel, merchandise, or statement credits.
Unlimited Cash Back Comparison
Compared to the Upgrade Cash Rewards Visa®, the Special Connections® Premium Visa Signature® stands out with its competitive rewards structure and valuable benefits. Both cards offer 1.5% unlimited cash back and no annual fees, but the Special Connections® card includes additional perks like Visa Signature Luxury Hotel Collection access.
Visa Signature Benefits & More
As a Visa Signature card, the Special Connections® Premium Visa Signature® provides cardholders with exclusive privileges such as luxury hotel stays, golf experiences, and 24/7 Concierge services. Plus, enjoy enhanced protections like zero fraud liability, roadside dispatch, and lost luggage reimbursement.
Travel Benefits
Traveling with the Special Connections® Premium Visa Signature® ensures peace of mind with emergency assistance services and Auto Rental Collision Damage Waivers. Plus, cardholders can access roadside dispatch in case of vehicle breakdowns.
Should You Apply for the Special Connections® Visa Signature®?
While the Special Connections® Premium Visa Signature® offers excellent rewards and benefits, it does come with a foreign transaction fee. If you frequently travel abroad, you may want to consider other cards without this fee.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Unlimited 1.5% cash back on all purchases
- 0% introductory APR for 12 months from account opening
- Premium travel offers and discounts
- No annual fee
Who this card may suit
- You don’t want to pay an annual fee
- You want to earn a flat-rate 1.5% cash back on all purchases
- You want access to a wide array of Visa perks
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Intro Purchase APR | 0% for 12 months of account opening |
| Regular Purchase APR | 19.49% to 30.49% variable based on creditworthiness and the Prime Rate |
| Intro Balance Transfer APR | 0% for 12 months of account opening |
| Balance Transfer APR | 19.49% to 30.49% 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 | 30.49% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 5% of the amount of each balance transfer, 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 | 32.49% 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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Special Connections® Visa Signature®
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