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Credit Needed
Excellent

Commerce Bank Special Connections℠ MasterCard® with Rewards Review

Top Features

Cashback on Gas
1%
Cashback on groceries
1%
Cashback on other
1%
Purchase APR
10.24% to 20.24% (variable) based on your creditworthiness when you open your account 

This card compared to other cash back cards

Card Name
Commerce Bank Special Connections℠ MasterCard® with Rewards
Cashback on Gas
1%
1%
1% When You Buy, 1% As You Pay
Cashback on Groceries
1%
1%
1% When You Buy, 1% As You Pay
Cashback on other
1%
5% cash back in categories that change each quarter like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
1% When You Buy, 1% As You Pay
Purchase APR
10.24% to 20.24% (variable) based on your creditworthiness when you open your account 
11.24% - 23.24% Variable 
13.24% - 23.24%* (Variable) 
CardRatings.com Editorial Staff

Commerce Bank Special Connections℠ MasterCard® with Rewards details

Balance Transfer Intro APR:
0.00% Introductory APR for 6 monthly billing cycles after account opening
Balance Transfer Intro Period:
6 monthly billing cycles
Purchase Intro:
APR:
0.00% Introductory APR for 6 monthly billing cycles after account opening
Period:
6 monthly billing cycles
Purchase APR:
10.24% to 20.24% (variable) based on your creditworthiness when you open your account
Annual Fee:
None
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 6.99% to 16.99% (see Notes)
 6.99% to 16.99% (see Notes)
 21.99% (see Notes)
APR:
  10.24% to 20.24% (variable) based on your creditworthiness when you open your account
 10.24% to 20.24% (variable) based on your creditworthiness when you open your account
 25.24% (variable)
APR Floor:
 None
 None
 None
Intro Rate:
 0.00% Introductory APR for 6 monthly billing cycles after account opening
 0.00% Introductory APR for 6 monthly billing cycles after account opening
 N/A
Intro Period:
 6 monthly billing cycles
 6 monthly billing cycles
 None


Finance Calculation Method:
 Daily balance (including new purchases)
Default/Penalty APR:
 27.24% (variable); If your APRs are increased for the stated reason, the Penalty APR will apply until you make six consecutive minimum payments when due.
Default/Penalty Margin:
 23.99% (see Notes)
Default/Penalty APR Floor:
 None
Maximum Default APR:
 (Variable)
Penalty/Default Trigger:
 This APR may be applied to your Account if you fail to make the required minimum monthly payment within 60 days of the respective payment due date.

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 1% of each transaction in U.S. Dollars. 2% of each transaction made in currencies other than U.S. dollars.
Late Fee:
 Up to $37
Over-the-limit Fee:
 None
Balance Transfer Fee:
Either $10 or 5% of the amount of each Balance Transfer, whichever is greater.  


Notes:

Rebate Description:
 Earn 1% Cash Back for every dollar in Net Merchandise Purchases. Earn 3% Cash Back for every dollar in interest you accrue on your monthly balances. Redeem for 1% Cash Back or choose from gift cards, travel, merchandise and more.
Special Notes:
 APR Note: Rates reflected above are per the Commerce Bank website as of 1/28/2016, and reflect a Prime Rate of 3.25%. Contact Commerce Bank to see what may have changed since that date.
Credit Card More Information:

Card Issued By:
 Commerce Bank
General Correspondence Address:
 1000 Walnut
Card Type:
 MasterCard
Card Class:
 Classic
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

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Apply online for Discover it®- Cashback Match™ with No Annual Fee

Discover it®- Cashback Match™ with No Annual Fee

  • You could turn $200 into $400 with Cashback Match(TM). We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cashback on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • FICO(R) Credit Scores for free on statements and online.
  • Click "APPLY NOW" to see rates, rewards, FICO(R) Credit Score terms, Cashback Match(TM) details & other information.
Credit Needed:
Excellent/Good
Apply online for Citi® Double Cash Card

Citi® Double Cash Card

  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*
Credit Needed:
Excellent/Good