| Rewards | Cash back on everyday purchases, often 3% on streaming, cable & rideshares, 2% on gas and restaurants, and 1% on all other purchases. |
|---|---|
| Signup Bonus | None |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | Higher variable rate than purchases (commonly around ~29.24%?29.49% variable based on creditworthiness). |
| Cash Advance Fee | Usually either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Late Payment Fee | Up to $40. |
| Purchases APR | Typically a variable rate after any introductory period |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Commerce Bank Special Connections® credit card is best known as a no‑annual‑fee rewards card with a 0% intro APR on purchases and a tiered cash‑back structure that gives extra points in popular everyday categories. It’s an everyday spending card more than a premium travel or bonus‑heavy offer.
Most users appreciate that it’s simple to use, has no annual fee, and earns consistent cash back — and many reviewers mentioned that paying no interest during the intro period and easy online management are definite pluses.
On the flip side, some cardholders often complain about so‑so rewards value compared with other cards, occasional confusing offers, and mixed customer‑service experiences when problems arise. A few reviewers called out awkward redemption mechanics or support delays.
Personally, I think this card is worth considering if you want a basic, fee‑free card with decent everyday cash back, especially if you’ll pay off your balance each month. But if you’re chasing big sign‑up bonuses or top‑tier rewards rates, there are cards out there that may deliver more value.
RATE THIS CREDIT CARD
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Y
Meh rewards, hardly special
I signed up for the commerce bank special connections Mastercard hoping for unique perks, but the rewards barely stack up and feel generic. The card works fine for everyday, buys but I haven't seen anything that makes it stand out
L
Reliable!!!
This card is straightforward and works well for regular spending. No overcomplicated rewards.
