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Special Connections® MasterCard® with Rewards

SpecialConnections Rewardsnew free flexible
Earn reward points with every purchase!


  • A versatile card that can be used for both credit and ATM transactions.
  • FREE rewards program with unlimited point earning and flexible redemption options.

Annual Percentage Rate

  • 0% Introductory1 APR on Purchases and Balance Transfers, for 6 monthly billing cycles after account opening, then a competitive rate of 10.24% to 20.24% APR2.
  • View Important Disclosures

Annual Fee

  • $0


  • Earn one point for every dollar in net merchandise purchases.
  • Earn three points for every dollar in interest you accrue on your monthly balances.
  • Points can be redeemed for merchandise, gift cards, travel, cash back and more! A cash back redemption is applied to your account as a statement credit.4

Additional Benefits


  1. We may end your Introductory APR and apply the Penalty APR if you fail to make the required minimum monthly payment within 60 days of the respective payment due date.
  2. Your standard APR will be determined based on your creditworthiness at Account opening and will be disclosed in your Account Opening Disclosure with your new credit card approximately 7 - 10 business days after Account approval. This APR will vary with the market based on the Prime Rate. The Prime Rate used to determine the APR on your Account is the U.S. Prime Rate published in The Wall Street Journal in its column called “Money Rates” on the last business day of each month.
  3. See Commerce Bank Rewards Program Terms and Conditions for full details call 800-678-0769.
  4. The statement credit will reduce your balance, but you are still required to make at least your minimum payment.
  5. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
  6. Customer must notify Commerce Bank within 60 days of receiving statement with unauthorized account activity.
  • To send an email that contains confidential information, please visit the Secure Message Center where there are additional instructions about whether to use Secure Email or Online Banking messaging.