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You got a

Now What?

Your Commerce Bank credit card has been upgraded effective immediately! You’re now earning unlimited rewards on all the purchases you’re already making

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No opt-in required

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Year-round earnings

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No points caps


Unlimited Rewards means you can earn up to 3% Cash Back1 in top categories every day, with no opt-in or points caps. Cash Back1 is applied as a statement credit.

Expand the sections below to learn how you can earn additional Cash Back1 on these select categories.

3% Cash Back at Coffee Shops and Fast Food Locations


Get more out of each coffee shop and fast-food stop while enjoying unlimited 3% Cash Back1 rewards every day. Load your Special Connections® credit card into your digital wallet, or save your card to your favorite on-the-go foodie apps, for even faster service. Rewards have never tasted so good!

3% Cash Back on Ridesharing Services


Go farther with more rewards in the fast lane on every trip! Get from point A to point B while earning 3% Cash Back1 on ridesharing services2. Put the pedal to the metal on your favorite ridesharing apps to start accelerating your earning potential.

2% Cash Back at Gas Stations


Go where you want to go and kick your next roadtrip into high gear while earning 2% back in rewards on all purchases at gas stations2. From your daily, on-the-go snack stop to your regular fuel-up, "Are we there yet?" sounds much better when you're earning 2%. Start your engine!

2% Cash Back at Restaurants


Every time you savor your favorite restaurants, score big with 2% back in Cash Back1 rewards — including take-out and food-delivery services2. Now, start perfecting that touchdown dance.

1% Cash Back on All Other Purchases


Watch your Cash Back1 rewards quickly build up when you use your Special Connections® credit card for everything else. Whether it's an online, in-store/digital-wallet transaction, you'll always earn 1% on all other purchases1. Who knew paying monthly bills and utilities could even be somewhat fun?

In addition to earning Cash Back1 on purchases in these categories, you’ll also enjoy Peace of Mind with these built-in cardholder benefits — all with your Commerce Bank credit card.


Plus, you’re protected 24/7 with cardholder security whenever you use your Commerce Bank credit card.



  1. 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 may vary.
  2. 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.
  3. See Rewards Terms & Conditions for full program details. “Purchases” refers to “Net Merchandise Purchases,” meaning purchases of merchandise or services on the Account, less any returned merchandise credits or service credits posted to the Account. Net Merchandise Purchases does not include Cash Advances, Balance or associated fees, money transfers or other fees, gaming chips, or fees or premiums for coverage or insurance to protect the balances of an Accountholder’s Account.

Questions concerning eligible transactions and what constitutes Net Merchandise Purchases will be determined at the sole discretion of Commerce. Other exclusions apply.