Low Intro APR Credit Card
Special Connections®
4.3/5 overall rating (1448 reviews) opens in a new window
New Cardholder Offer
Low intro APR for 12 months on purchases and balance transfers.
Unlimited Rewards
Enjoy Visa rewards of up to 4% Cash Backfootnote 1 in top categories every day, with no opt-in or point caps.
myRewards Savings Account Bonusfootnote 2
Earn a Bonusfootnote 2 equal to 25% of the Cash Backfootnote 1 amount every time you redeem your Special Connections® Credit Card Cash Backfootnote 1 as an electronic deposit into your myRewards Savings account.
4% Cash Backfootnote 1 on Streaming and Cablefootnote 3
New! Get more out of binge-watching your favorite shows on services like Netflix, Hulu and Disney+, and singing along to the music that gets you into the groove through SiriusXM, Apple Music and the like. NOW SHOWING: Unlimited 4% Cash Back1footnote 1 when you pay your streaming video, streaming music and cable services with your Special Connections® credit card. Stay tuned and don't touch that dial — these Cash Back1footnote 1 credit card rewards are worthy of an award. Please reference Rewards Terms and Conditions[PDF]Disclaimer PDF for notable exclusions.
3% Cash Backfootnote 1 on Restaurants, Fast Food, Coffeefootnote 3
Score big every time you savor your favorite restaurants and fast-food stops with unlimited 3% Cash Backfootnote 1 rewards every day — including take-out and food delivery servicesfootnote 3. 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!
2% Cash Backfootnote 1 at Gas Stationsfootnote 3
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 stationsfootnote 3. 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 Backfootnote 1 on Groceriesfootnote 3
Whether you are feeding your family, hosting a party, or just grabbing snacks for a night of watching movies, you can earn unlimited 2% Cash Backfootnote 1 on grocery purchasesfootnote 3.
1% Cash Backfootnote 1 on All Other Purchasesfootnote 4
Watch your Cash Backfootnote 1 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 purchasesfootnote 4. Who knew paying monthly bills and utilities could even be somewhat fun?
NEW CARDHOLDER OFFER
Enjoy 0% intro APRfootnote 5 for 12 months from account opening on all purchases and balance transfers with the Special Connections® credit card. Then, a variable APR of 18.99% - 28.99%. No annual fee PDF opens in a new window.
Special Connections® Security Features:
Tap-to-Pay
Simply tap-to-pay anywhere you see the contactless symbol, for a fast and secure transaction.
Cell Phone Protection Visa® Benefit
Have peace of mind with complimentary, built-in Cell Phone Protection - up to $200 per claim.
What is Special Connections®?
This feature gives you the ability to access all your Commerce checking accounts at Commerce ATMs.
Disclosures:
- A Cash Back redemption is applied as a statement credit or electronic deposit. The statement credit redemption will reduce your balance, but you are still required to make at least your minimum payment. An electronic deposit redemption will be issued in U.S. currency through an electronic deposit to a checking or savings account of your choice. Values for non-cash back redemption items such as merchandise, gift cards and travel may vary. Visit commercebank.com/rewardsterms link opens in a new window for full rewards program details.
- To qualify for the Credit Card Cash Back bonus reward, you must: a) hold a Commerce myRewards Savings account; b) hold an active Special Connections® Credit Card in good standing; and c) redeem your Cash Back rewards from your Commerce Credit Card as an electronic deposit directly into your myRewards Savings account. Commerce Bank will provide a bonus of 25% of the electronic deposit amount made as the Cash Back redemption. The Cash Back bonus reward payout will be credited to the myRewards savings account within 15 days following the month in which the Cash Back redemption is deposited into the account.
- 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" 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.
- 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.
- Cardholders must notify Commerce Bank immediately of any unauthorized activity and must use reasonable care in protecting their card. For more details, contact Commerce Bank.
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