Advertiser Disclosure Editorial Disclosure

Commerce Bank Special Connections Mastercard

PLEASE NOTE: THIS CARD OFFER IS CURRENTLY NO LONGER AVAILABLE. CLICK HERE TO BROWSE SIMILAR CREDIT CARDS.  

At a Glance

The Commerce Bank Special Connections Mastercard is a credit card that offers seamless integration with an existing Commerce Bank checking account. This integration allows users to pay with either their cash back rewards credit card or a connected checking account at select retailers. The card also earns 3% cash back at coffee shops, fast food, and ride shares; 2% cash back on gas and restaurant purchases; and 1% cash back for every other purchase – all for no annual fee.

Ideal for Those Who:

  • Already bank with Commerce Bank
  • Want the flexibility to pay with either your card or your checking account
  • Don’t want to pay an annual fee
  • Want to earn solid cash back rewards for your everyday purchases

Commerce Bank Special Connections Mastercard Review

The Commerce Bank Special Connections Mastercard is a unique credit card offering from Commerce Bank. The bank describes the card as a way to “unlock the full potential” of the Commerce Bank Credit Card, as it provides the freedom for users to choose to pay with either their Commerce Credit Card or their connected Commerce checking account.

All a cardholder needs to do to connect the Commerce Bank Special Connections® Mastercard to an applicable checking account, is simply link the accounts online through Commerce Bank. Once connected account holders can access both of their accounts at the ATM and will have the freedom to pay either with their credit card or debit card, depending on the retailer.

While the account-linking features of the Commerce Bank Special Connections® Mastercard are nice, they aren’t remarkable. After all, most places likely will accept only credit, meaning the cards multipurpose usability is extremely geographically limited. Fortunately, the card also is a capable rewards credit card as well.

The Commerce Bank Special Connections® Mastercard earns unlimited cash back for everyday purchases, with improved rates in special categories. Cardholders receive 3% cash back, for instance, on purchases at coffee shops, fast food joints, or when using ridesharing apps like Lyft or Uber. Cardholders also receive 2% cash back on gas and restaurant purchases, as well as 1% cash back on all other purchases made with the card. If cash back isn’t your chosen reward, the Commerce Bank Special Connections® Visa allows users to claim their rewards as travel, merchandise, statement credits, and more.

New account holders also benefit from a special introductory rate: 0% intro APR on purchases and balance transfers for the first 1 months after opening an account. After that, they can expect a typical APR of around 17%, which while not amazing, is average when compared to similar cards. The card also benefits from no annual fee and comprehensive liability and fraud protections.ge.

Should You Apply for the Commerce Bank Special Connections Mastercard?

The Commerce Bank Special Connections® Mastercard is a unique offering that provides flexibility with all purchases. The ability to select using the card as a debit card or a credit card is an interesting proposition, though one that only appeals to existing Commerce Bank customers. Fortunately, there’s enough value here to entice even the non-Commerce banking customer to consider switching sides and opening an account.

Browse Other Commerce Bank Credit Cards: