Skip To Main Content

Special Connections® Credit Card Reviews

Special Connections Visa Credit Card
4.4/5 overall rating
(3769 reviews)
Get the card that rewards you with up to 3% Cash Back1 in all your favorite categories!2
1 Cash Back applied as a statement credit.
Sort by

My main credit card

I've had this card for many years. Never had a problem they couldn't fix right away.
Gavin P
Saint Louis, MO
Cardholder since 2010
Frank G
Chesterfield, MO
Cardholder since 2009

Constantly needing to get a security code to log on so annoying

I'm seriously considering closing this card. Not only is the interest rate ridiculously high but I find it so annoying that every time I want to log on to make a payment, check a balance, check a reward basically anything I need the card for I need to wait for a security code to be sent to me either via email or text. It's completely inconvenient and not something that any of my other credit cards require.
Kerry G
Youngstown, OH
Cardholder since 2016

Its an ok card

Milan B
Dayton, OH
Cardholder since 2018
Debbie T
Columbus, OH
Cardholder since 2018

I would like to see offers for lower interest rate charges

Olga M
Republic, MO
Cardholder since 2018

Overall, I am pleased with Special Connections.

There are more and more cards coming out now with special features. I like this card, as I have a substantial credit limit, if needed, and the website is easy to navigate. I, like many others I am sure, would like a lower interest rate and possibly some 0% transfer offers now and then.
George C
Coppell, TX
Cardholder since 2018
It’s good
Stuart W
Springfield, MO
Cardholder since 2020

Good customer services

Bennie J
Houston, TX
Cardholder since 2021

Complete Satisfaction

I am extremely satisfied with Commerce Bank
Clement B
Florissant, MO
Cardholder since 2019


  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. Purchases made using Near Field Communication (NFC), virtual wallets, or similar technology may not be eligible for bonus points. Offer cannot be combined with other promotional offers or World Elite MasterCard® points earned for travel and restaurants.

Use of Commerce Bank Credit Cardholder Ratings & Reviews: The credit-card ratings and card-specific reviews displayed on were submitted by verified Commerce Bancshares, Inc. (Commerce Bank) credit-card holding customers who voluntarily completed a customer satisfaction survey. The numerical/visual star ratings and corresponding feedback should not be considered or interpreted as the opinions and viewpoints of all Commerce Bank clients and are utilized for information-only and product-enhancement purposes. Ratings and reviews are specific to the credit-card product type displayed. Commerce Bank does not endorse or guarantee review submissions and assumes no liability for actions or decisions based solely on, or a combination of, utilizing these customer ratings and reviews as a definitive point of reference when deciding to apply for a Commerce Bank credit card. Product offerings, benefits and promotional offers may change over time and some submissions might not reflect the most-current offerings.

Prior to publishing all ratings, reviews and recommendations online at, comments and reviews were filtered for profanity; spelling errors are subject to correction. These surveys were sent in August and September 2019 using a 10-point scale, which has been converted to a 5-star scale, where 10-9 points = 5 stars; 8-7 points = 4 stars; 6-5 points = 3 stars; 4-3 points = 2 stars and 1-2 points = 1 star. Overall visual-star ratings adjacent to each credit card are an aggregated average of all ratings received.