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Commerce Bank Special Connections® Mastercard
Commerce Bank Special Connections® Mastercard
- 19.24% to 30.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.24% to 30.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 30.24% variable based on creditworthiness Cash Advance APR
- 0% for the first 12 months Intro Purchase APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 3% cash back on coffee shops, fast food, and ridesharing
- 2% cash back on gas and restaurants
- 1% cash back on all other purchases
- 0% introductory APR for 12 months from account opening
- Connect your debit and credit cards in one account
- No annual fee
- Intro Purchase APR: 0% for the first 12 months
- Regular Purchase APR: 19.24% to 30.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for the first 12 months
- Balance Transfer APR: 19.24% to 30.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 30.24% variable based on creditworthiness
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 32.24%
- 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 $39
- Return Payment Penalty Fee: Up to $39
- N/A
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About Commerce Bank Credit Cards
Commerce Bank is a unique financial institution. Though it has locations throughout the central United States, this bank offers consumers a slew of credit cards nationwide. A handful of these cards bear the Commerce Bank brand, offering cash back, miles, and many useful features.
As mentioned, Commerce Bank offers several proprietary credit cards. These cards include a secured credit card for building credit, the Commerce Bank Secured Visa®; the Commerce Miles® Visa Signature for earning travel miles; and cash back rewards can be earned through its Special Connections® line of cards.
Who Can Apply for a Commerce Bank Credit Card?
Not all Americans can apply for a Commerce Bank credit card. Commerce operates branches in the following United States states:
Commerce Bank credit cards are available to residents of the following U.S. states the bank serves: | |||
---|---|---|---|
Colorado | Iowa | Missouri | Tennessee |
Illinois | Indiana | Kansas | Ohio |
Texas | Michigan | Oklahoma |
What Brands Offer Credit Cards Through Commerce?
Commerce Bank is also a leading issuer of co-branded credit cards with brands across various industries. Interestingly, Commerce retail and store credit cards are all open-loop, meaning are part of a payment network – like Visa or Mastercard – and as such, are usable where those networks are accepted worldwide.
Many other issuers, like Comenity, Synchrony, and Citi, also issue several closed-loop credit cards for big retail, travel, and hospitality brands. A closed-loop credit card is a type of credit card that can only be used for purchases within a specific network or at a particular merchant or group of merchants. They are typically designed to incentivize brand loyalty and encourage spending within that specific store.
So, what brands offer credit card products through Commerce Bank? The list includes an impressive group of names, including local Midwest favorites and national household names:
Boy Scouts of America | AOPA | Save the Children | Kansas City Zoo |
Kansas City Royals | Fishing League Worldwide | Garfield | Drury Hotels |
Commerce Bank is also one of the largest issuers of alumni credit cards, along with Bank of America. Alumni credit cards appear similar to student credit cards but differ significantly on who they are targeted to.
What are Alumni Credit Cards?
Student credit cards are designed for college-age individuals and are new to credit or anyone enrolled in an eligible school through the National Clearing House. These cards help students establish a strong credit history during their college years, and as such, they have features tailored toward students, including good grade incentives, lower credit limits, and easier credit access.
Alumni credit cards, on the other hand, are geared towards those who have already graduated but still want to show their school pride with every purchase. These cards are the same as a traditional cash back or travel rewards card – only with the exclusive branding of one’s alma mater.
Alumni credit cards often come with unique features and rewards tailored to the interests and affiliations of graduates. Many alumni credit cards align their reward categories with the spending habits of their target audience. Additionally, some alumni cards contribute a percentage of your purchases back to the school or its affiliated organizations. This can be a way to give back to your school while making everyday purchases.
Here are just a few schools that partner with Commerce Bank to issue credit cards for alumni:
Bryant University | Central Connecticut State University | University of Florida | University of Idaho |
Central Michigan University | North Dakota State University | Valparaiso | Webster University |
Common Features of Commerce Bank Credit Cards
There are several common features of Commerce Bank credit cards. These factors typically include the following:
Rewards: | Many Commerce Bank credit cards offer reward programs allowing you to earn points, cash back, or miles for purchases. These rewards can often be redeemed for travel, gift cards, statement credits, or merchandise. Additionally, many Commerce Bank credit cards offer similar reward structures, with common bonus categories including rideshare, gas, fast food, coffee shops, and more. | ||
Introductory Offers: | Some Commerce Bank cards may offer introductory offers, such as 0% APR on balance transfers or purchases for a specified period. This can help you save on interest or consolidate existing debt. | ||
Security Features: | Commerce Bank cards usually come with security features like EMV chip technology and fraud protection. These measures help keep your card and your financial information safe. | ||
No Annual Fee: | The majority of Commerce Bank credit cards do not charge an annual fee, which is a great feature for an everyday credit card. |
Commerce Bank Credit Card Rewards
Commerce Bank offers some pretty niche bonus rewards categories on its cash back credit cards. Specifically, most of these cards earn 3% cash back on purchases made at coffee shops, fast food restaurants, and on ridesharing. An additional 2% can be earned at gas stations and dine-in restaurants. These options also include cards from smaller banks, like the BTC Bank Visa.
These categories make sense for many offers that are co-branded with university alumni associations, but they may not offer as much value on other cards. Ultimately, you’ll want to consider your spending habits when weighing the benefits of these cards for your wallet. On the other hand, travel rewards cards offer a more traditional spread of rewards for cardholders. Statement credits and lounge access come with some of these cards as well.
Commerce Bank Rewards Redemption
The redemption opportunities for this bank offer a bit more flexibility than the categories for earnings. Once you have Commerce Bank rewards to redeem, you can choose from any of the following redemption options:
Gift cards | Airfare | Fuel discounts | Merchandise | Statement credits |
FAQs About Commerce Bank
Still have some questions about Commerce Bank, its proprietary and co-branded cards, or its retail and student credit cards? Here are some answers to commonly asked questions:
Commerce Bank customer service agents are available via phone at 1-800-645-2103.
If you choose to mail your payment, checks can be sent to:
PO Box 410857. Kansas City, MO 64141-0857
Commerce Bank reports to all three major credit bureaus (TransUnion, Experian, and Equifax), meaning you enjoy maximum credit-building capabilities with the bank.
No. Commerce Bank has a footprint in 48 U.S. states.
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