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Special Connections® Credit Card Reviews

Special Connections Visa Credit Card
4.4/5 overall rating
(3484 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.
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I like the 0% interest when I signed up and the promotions that have b

William H
Palatine, IL
Cardholder since 2021

Great Card Company

Its easy for me to use the phone auto pay system & info.
James R
Ashland, KY
Cardholder since 2021

satisfied customer

I am happy to be a commerce Bank customer. I am extremely satisfied customer and have recommended this card option to others.
Christine B
Loveland, CO
Cardholder since 2021
I do not do online banking therefore I cannot get the rewards.
Betty L
Lawrence, KS
Cardholder since 1991
Ahmed A
Wichita, KS
Cardholder since 2010
Carolyn M
Omaha, NE
Cardholder since 2019
Barbara C
Peculiar, MO
Cardholder since 1998
Barbara H
Ozark, MO
Cardholder since 2021

No problems

As of yet I have never had any problems with this card.
Carolyn H
Mexico, MO
Cardholder since 1987
Adriana W
Fort Worth, TX
Cardholder since 2020


  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.