WalletHubNo membership fees$200 initial rewards bonusNo intro APR on purchasesNo intro APR on balance transfersForeign feeRequires excellent creditCommerce Bank Special Connections® Premium
Commerce Bank Special Connections® Premium
Credit Score
Excellent Credit
Annual Fee
$0
APR on Purchases
18.74% - 28.74% (V)
Balance Transfer
APR: 18.74% - 28.74% (V)
Balance Transfer Fee
Rewards
Get a $200 cash back bonus when you spend $2,000 on purchases within your first 3 months after account opening.
Unlimited 1.5 points on every purchase, every day. No cap on point earning.
Redeem for cash back, gift cards, travel, merchandise and more. A cash back redemption is applied as a statement credit.
Savings from top retailers and access to popular events.
Commerce Bank Special Connections® Premium's Additional Info
If you do not meet the criteria for the Commerce Bank Special Connections® Premium, you may be considered for a Commerce Bank Special Connections® card, which has different benefits and credit availability.
Cell Phone Protection, Travel and Emergency Assistance Services, Roadside Dispatch® and ID Navigator powered by NortonLifeLock™.
Premium travel offers and discounts.
Complimentary concierge service.
No Pre-Set Spending Limit.
Zero Liability Coverage.
| cash advance fee | 5% (min $10) |
| cash advance APR | 28.74% (V) |
| foreign transaction fee | 1% |
| smart chip | Yes, chip-and-PIN |
| max late fee | $40 |
| max overlimit fee | $0 |
| max penalty APR | 30.74% (V) |
| grace period | 25 days |
Commerce Bank Special Connections® Premium Pros & Cons
No membership fees
$200 initial rewards bonus
No intro APR on purchases
No intro APR on balance transfers
Foreign fee
Requires excellent credit
Compare The Commerce Bank Special Connections® Premium vs. Popular Alternatives
annual fee$0 | annual fee$0 intro 1st yr, $95 after | annual fee$0 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Purchase Intro APRNot Offered | Purchase Intro APR0% for 12 months | Purchase Intro APR0% for 12 months |
transfer intro aprNot Offered | transfer intro apr0% for 12 months|Transfer Fee: 3% (min $5) | transfer intro apr0% for 12 months|Transfer Fee: 3% for the first 12 months, 4% at a promo APR that Capital One may offer you at any other time |
Regular APR18.74% - 28.74% (V) | Regular APR19.49% - 28.49% (V) | Regular APR18.49% - 28.49% (V) |
Sponsored Apply Now | Sponsored Apply Now |
Questions & Answers
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Offer last updated: Mar 10th, 2026 at 10:35 ET
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