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.
11/05/2024
Good card
Please lower your interest rates
Kyle H
Columbia, MO
Cardholder since 2013
11/06/2024
Love the card
Richard M
Duluth, MN
Cardholder since 2021
11/06/2024
Bad Relationship
I will be cancelling this account due to lack of support from your financial institution. I asked for help in resolving a situation with a merchant. I paid for Lawn service and never received service. The Lawn company confirmed my lack of service, my want to a refund and cancellation. Instead of refunding my money, their policy was to reserve it as store credit, which means I could not get my money back and would still have business dealings with them. I reached out your institution so that the charged may be reversed because I did not receive what I paid for. I recently received a letter from your institution that stated "Commerce Bank can not negate the terms and conditions agreed to...Documentation received does not support my dispute claim". This information means you do not support me and we are in a bad relationship. I will be cancelling this line of credit due to this bad relationship. If a merchant can take advantage of me, receive payment without providing service, and does not have to provide a refund...and my financial institution is in agreement with their actions and does not support my claim, then its best for us to part ways. The icing on the cake was when I attempted to call (855-8484-4769) to discuss this decision. The phone rang continuously. I finally got through to voicemail and left a voicemail and have yet to receive a return call. Whomever reads this, please inform the correct department to set my account for deactivation, immediately!
David K
Peyton, CO
Cardholder since 2023
11/06/2024
Customer support is excellent.
Carol
Itasca, IL
Cardholder since 2023
11/06/2024
David R
East Chicago, IN
Cardholder since 2020
11/06/2024
like free interest for consolidation
Gary H
Pasadena, TX
Cardholder since 2023
11/06/2024
Sidney
Independence, MO
Cardholder since 2021
11/06/2024
Unresponsive and bottom of the pack of financial providers that I use
I have a top tier credit profile yet you refuse to increase my paltry credit line that is lower than what I received in college over 40 years ago. Do better.
Joel
San Antonio, TX
Cardholder since 2022
11/06/2024
Benefits
I think points or cash back can be easier to redeem
Sheena S
Saint Peters, MO
Cardholder since 2011
11/06/2024
We appreciate the card
Jeffrey W
Kansas City, MO
Cardholder since 1997
11/06/2024
Satisfied
Having overall great success with my card & excellent customer service
Cindi K
Delphi, IN
Cardholder since 2020
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.
