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Cash Back1 Credit Card

Cash Back1 Credit Card

Special Connections®

Special Connections Visa Credit Card
four stars
4.3/5 overall rating (151 reviews)

Choose between a Visa® or Mastercard® option and start earning today.

Get the Visa® Lock icon white

No annual fee

Special Connections®

Special Connections Visa Credit Cardfour stars  4.3/5 overall rating (1469 reviews)

Choose between a Visa® or Mastercard® option and start earning today.

Get the Visa®Lock icon white

No annual fee



Low intro APR for 12 months on purchases and balance transfers.


Earn up to 3% Cash Back1 in top categories everyday, with no opt-in or point caps.

1Applied as a statement credit.

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!


Apply now
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.


Apply now

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!


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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.


Apply now

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?


Apply now


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Enjoy 0% intro APR4 for 12 months from account opening on all purchases and balance transfers with the Special Connections® credit card. Then, a variable APR of 12.24% - 25.24% . No annual fee.

Special Connections credit card; Visa and Mastercard application options Apply for the Special Connections® Visa® Credit Card


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Special Connections® Security Features:

Receive a pre-approved offer in the mail?

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Quickly retrieve your offer here.

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Cell Phone Protection Visa® Benefit

Have peace of mind with complimentary, built-in Cell Phone Protection - up to $200 per claim.

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What is Special ConnectionsSM?

The freedom to make both credit and debit purchases at most retailers, plus the ability to access all your Commerce checking accounts at ATMs. All with one credit card.


Compare this card to other Commerce Bank credit cards.Compare this card to other Commerce Bank credit cards.


  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 such as merchandise, gift cards and travel may vary. Visit for full rewards program details.
  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.
  3. "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 Transfers or transactions using Convenience Checks or any associated fees. Other exclusions apply.
  4. 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.
  5. Customer must notify Commerce Bank within 60 days of receiving statement with unauthorized account activity.
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