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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 10.99% to 20.99% APR2.
  • View Important Disclosures

Annual Fee

  • $0


  • Earn 1% Cash Back4 for every dollar in Net Merchandise Purchases.
  • Earn 2% & 3% Cash Back4 for purchases in select categories.5
  • Redeem for 1% Cash Back4 or choose from gift cards, travel, merchandise and more.

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. 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.
  5. Merchants self-select the category in which they would like their transaction items to be listed. Please note some merchants may be owned by other companies, therefore transactions may not be counted in the expected category.
  6. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
  7. Customer must notify Commerce Bank within 60 days of receiving the first statement with unauthorized activity. For specific restrictions, limitations and other details, please consult Commerce Bank.
  • 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.