Special Connections® Credit Card Reviews
4.5/5 overall rating
(1448 reviews)
Get the card that rewards you with up to 4% Cash Back1footnote 1 in all your favorite categories!2footnote 2
1footnote 1 Cash Back applied as a statement credit.
11/07/2024
Customer Service
Very friendly and helpful when I have questions.
Mark J
Thackerville, OK
Cardholder since 2022
10/29/2024
Amy M
Ballwin, MO
Cardholder since 2000
10/29/2024
I really do like the card and benefits but wish more options
Annual report- you can only go back 2 years to see a copy. I lost some of my reports and tried to get a copy. No luck Reward gift cards - there are not that many that are in my area.
Dana F
Columbia, MO
Cardholder since 1991
10/29/2024
Card review
Extremely satisfied overall in doing business with Commerce
Eugene
El Paso, TX
Cardholder since 2024
10/29/2024
Thee Card
Of the cards I have this one is my favorite. Just wish the credit limit was higher. But don’t we all.
Charles A
Richmond, MO
Cardholder since 2015
10/29/2024
Credit card
Great bank and credit card
Kenneth
Eureka, MO
Cardholder since 2022
10/29/2024
Linda
Arlington, VA
Cardholder since 1978
10/29/2024
Jen at the Woods Chapel location in Lees Summit was so nice and helpful! Great customer service!
Lauren H
Lees Summit, MO
Cardholder since 2018
10/29/2024
Long wait on the phone
The only things don’t satisfied is that long wait for costumer service answering the phone.
Jennifer
Belton, MO
Cardholder since 2018
10/29/2024
My Reward Points Disappeared and Customer Service Told Me "Tough Luck"
Yup... they switched the third-party vendor who handled their reward points system. I know this because I reached out after having about $100 worth of gift cards (redeemed from earned points) not get mailed to me. The new third-party vendor company's customer service team said they didn't have the data to help me because the old company got fired. The Commerce Bank customer service team told me they could pull the data to help me because the old third-party vendor handling rewards got fired. So, tough luck. Yup. That's how things ended. I've been a customer for nearly 30 years and I was told that that's the way the cookie crumbles. As a career journalist/marketer, I know a thing or two about storytelling. I'm preparing to blast my story across the internet. I'm not happy and Commerce Bank could care less. I'll be closing my account soon.
Joseph C
Orland Park, IL
Cardholder since 1994
10/29/2024
I'm extremely dissatisfied with the way I have been treated by the Com
I've I've stopped using my Commerce Credit Card sings how no one would work with me whenever the United States Post Office delivered my payment of $30 and it was considered late then I got it charged an additional $30 and then when I tried to talk to someone she was extremely rude so don't worry your services are no longer needed I've gone somewhere else
June
Saint Louis, MO
Cardholder since 1980
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/cashrewardsterms link opens in a new window for full rewards program details.
- 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 commercebank.com 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 commercebank.com, comments and reviews were filtered for profanity; spelling errors are subject to correction. These surveys were sent in October and November 2024 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.
