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.
10/30/2024
Love my card
Love the service, customer service is awesome.
Thank you
John L
Memphis, TN
Cardholder since 2016
11/07/2024
Robert B
Sierra Vista, AZ
Cardholder since 1969
11/07/2024
Diana B
Garden City, KS
Cardholder since 2019
11/07/2024
Interest rates are too high
As long as I have been with Commerce bank I should be able to get better interest rates
Roger R
Ash Grove, MO
Cardholder since 2017
11/07/2024
Michael M
Nixa, MO
Cardholder since 2006
11/07/2024
Good service
Works great and they don't pester me to death with emails
Cecile C
Irving, TX
Cardholder since 2012
11/07/2024
wouldn't recommend
I have been a cardholder for years, for decades even. I have what I consider a fairly low credit limit and recently asked to have it raised and was declined. I have a great credit score (in the 800s) and a long standing history of paying every bill in full and on time. No justified reason for being declined. So we will only use this card as needed if at all now and easily got a different visa with similar if not better rewards elsewhere. It really soured us to ever consider getting another card through commerce. Also, I realize this review is about the special connections credit card, but we also decided to get a my spending debit card recently and when we went to activate it, we were charged .50 cents. I called twice - once to show my teenager how to do it since it was her first time; then a second time so she could do it herself. The fact that we were charged for the call is ridiculous and the opposite of customer service. I never even spoke to a live person - I did everything through the automated system when I called. I then called to find out why and was told you get one free then they charge for every next phone call within a certain time frame. Luckily they didn't charge me for that call because I didn't give my card number to ask that question. This debit card is for a teenager learning how to use credit and debit, and calling to check her balance would be the easiest way to go about it but unfortunately, draining her limited income of .50 cents every time she does so is definitely a huge negative we wish we knew before we went with this card.
Kari B
Saint Louis, MO
Cardholder since 2011
11/07/2024
It does what I need so I'm happy
Cathy Y
Shawnee, KS
Cardholder since 2023
11/07/2024
Kathleen W
Saint Louis, MO
Cardholder since 2017
11/07/2024
If it ain't broke, don't fix it
Your former rewards program was good. Was able to obtain products without too many reward points needed. Now, it's practically impossible to rack up enough points to purchase anything. Unless of course, you spend 5k to 10k a month on your card, which as a retiree, is impossible to do. Hence, I no longer use my Visa credit card unless I have to. My points go on my Discover card.
David
Saint Louis, MO
Cardholder since 1988
11/07/2024
Jeff B
Saint Louis, MO
Cardholder since 2022
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.
