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Low Intro APR Credit Card



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.

blue circle: 3% streaming, cable & ridesharing services(2), light-green circle: 2% gas stations, restaurants & fast food(2), green circle: 1% all other purchases(3) blue circle: 3% streaming, cable & ridesharing services(2), light-green circle: 2% gas stations, restaurants & fast food(2), green circle: 1% all other purchases(3)
3% cash back on streaming and cable

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 3% Cash Back1 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 Back1 credit card rewards are worthy of an award. Please reference Rewards Terms and Conditions [PDF] for notable exclusions.

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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.

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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

Score big every time you savor your favorite restaurants and fast-food stops with unlimited 2% Cash Back1 rewards every day — including take-out and food delivery services2. 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!

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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?

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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 18.99% - 29.99%. No annual fee.

Special Connections Cash Back Credit Card Apply Now Special Connections Cash Back Credit Card Apply Now


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Special Connections® Security Features:

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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.


2021 Newsweek Winner of Best Customer Service Award for exceptional customer relations, top-rated mobile app, and timely responsive support.2021 Newsweek Winner of Best Customer Service Award for Exceptional customer relations, Top-rated mobile app, and Timely, responsive support

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Special Connections®
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  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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