| Last updated on November 13th, 2023
Special Connections® Visa Signature®
Special Connections® Visa Signature®
Special Connections® Visa Signature®
- 19.49% to 30.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.49% to 30.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 30.49% variable based on the Prime Rate Cash Advance APR
- 0% for 12 months of account opening Intro Purchase APR
At a Glance
The Special Connections® Visa Signature® from Commerce Bank is a decent cash back rewards and travel rewards credit card for everyday use. The card earns a flat-rate 1.5% cash back on all purchases, with other options for rewards redemption that include gift cards, travel, merchandise, or statement credits. The card also boasts 0% introductory APR for the first 12 months, no pre-set spending limits, and no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Unlimited 1.5% cash back on all purchases
- 0% introductory APR for 12 months from account opening
- Premium travel offers and discounts
- No annual fee
- Intro Purchase APR: 0% for 12 months of account opening
- Regular Purchase APR: 19.49% to 30.49% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months of account opening
- Balance Transfer APR: 19.49% to 30.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 30.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 32.49% variable based on the Prime Rate
- Foreign Transaction Fee: 1% of each transaction in U.S. dollars; 2% of each transaction made in currencies otherthan U.S. dollars
- Late Payment Penalty Fee: Up to $40
- You don’t want to pay an annual fee
- You want to earn a flat-rate 1.5% cash back on all purchases
- You want access to a wide array of Visa perks
Special Connections® Premium Visa Signature® Review
The Special Connections® Premium Visa Signature® from Commerce Bank is a cash back rewards credit card with an impressive suite of travel services. The card earns unlimited cash back on purchases, with a $200 welcome offer and unlimited rewards – all for no annual fee.
$200 Welcome Offer
The Special Connections Premium credit card begins with an impressive, easy-to-reach sign-up bonus. New accounts earn a $200 cash back bonus after $2,000 in purchases within the first three (3) months after account opening. That bonus equates to 10% cash back on your first $2,000 in spending – and that’s before you even factor in the card’s bonus category.
Earn an Unlimited 1.5% Cash Back on All Purchases
The Special Connections Premier Card earns a flat rate of 1.5% cash back on every purchase, with no caps on the total amount of eligible rewards. Earned cash back is rewarded in the form of points, and cardholders can also receive their rewards through gift cards, travel, merchandise, or even as a statement credit.
Unlimited Cash Back Comparison
Perhaps the best competitor for the Premium-version of the Special Connections® credit card is the Upgrade Cash Rewards Visa® from Upgrade. That card also earns 1.5% unlimited cash back on card purchases every time you make a payment and features no annual fee, no foreign transaction fees, and no hidden fees. Upgrade combines a credit card’s flexibility with a personal loan’s predictability, meaning you enjoy a great rate and simplified rewards in one program.
Here’s how the two cards stack up:
 Special Connections® Visa Signature® |
 Upgrade Cash Rewards Visa® |
|
| Annual fee | $0 | $0 |
| Rewards | Earn unlimited 1.5% cash back on all purchases | Earn 1.5% unlimited cash back on card purchases every time you make a payment |
| FTX fee | Up to 2% | None |
| Network | Visa | Visa |
Visa Signature Benefits & More
As the Special Connections® Visa Signature® is a Visa Signature card, members can expect a variety of impressive services, protections, and benefits. Visa offers Signature cardholders access to their Visa Signature Luxury Hotel Collection, comprising over 900 luxurious properties across the world, as well as exclusive experiences and perks at Hudson Yards in New York City, golf experiences with Troon Rewards, Sonoma County wine experiences, and more. Cardholders also receive access to Visa’s 24/7 Concierge services, aiding with travel planning and entertainment tickets, as well as savings on luxury car rentals through Avis and chauffeured car services with GroundLink.
Special Connections® Visa Signature® members can also count on an impressive suite of protections courtesy of Visa. These protections include extended warranty, comprehensive fraud reporting, and deterrent safeguarding, and personalized support from Visa’s cardholder inquiry services. Here’s everything you can expect from Visa:
| Zero Fraud Liability | Roadside Dispatch | Cardholder Inquiry Services | Lost/Stolen Card Reporting | Emergency Card Replacement |
| Auto Rental Collison Damage Waiver | Travel and Emergency Assistance Services | Purchase and Extended Protection | Lost Luggage Reimbursement |
Travel Benefits
When traveling, Special Connections® Visa Signature® cardholders also have the safety of travel and emergency assistance services, as well as Auto Rental Collision Damage Waivers when they use their card at the rentals desk and waive the additional insurance, granting access to roadside dispatch should their vehicle break down on the side of the road.
Beyond the Visa Signature benefits, the Special Connections® Visa Signature® from Commerce Bank boasts a special 0% introductory APR for the first 12 months on both balance transfers and purchases, followed by a variable APR after that, though the exact interest rate will vary. The card also features no pre-set spending limits and no annual fees.
Commerce Bank Ratings
What’s it like to live with Commerce Bank as a credit card issuer and bank? Here is a selection of reviews for the Midwestern bank:
| BestCards | Better Business Bureau | TrustPilot |
|
4.5/5 |
1.5/5 |
3/5 |
Should You Apply for the Special Connections® Visa Signature®?
While the Special Connections® Visa Signature® is a very good card for everyday use, it is let down by featuring a foreign transaction fee. While the fee isn’t exorbitant (it is currently 1% of the total transaction in U.S. Dollars), there are plenty of other cards that reside in the same sphere that also feature no foreign transaction fees.
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