Commerce Bank Special Connections®

Commerce Bank · Visa · $0 annual fee

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670

Min Score

18.74–28.74%

APR Range

Intro APR · 12 mo

1–2%

Foreign Fee

Annual Fee

Rewards Bonus · No Sign-Up Offer

+25% bonus

When you redeem cash back into myRewards Savings

Redeem your cash back as an electronic deposit into a Commerce myRewards Savings account and Commerce adds an extra 25% on top. This card has no traditional welcome/sign-up bonus.

How You Earn · cash back

Streaming

Streaming video, streaming music & cable

Groceries

Purchases

Everything else

All rates are unlimited — no caps or category limits. The 4% rate is one of the highest streaming/cable rates available on a no-annual-fee card.

What comes with the card. Tap a row for details.

12 mo0% intro APR▾

0% introductory APR for the first 12 monthly billing cycles on both purchases and balance transfers. After that, an 18.74%–28.74% variable APR applies based on creditworthiness.

+25%myRewards Savings redemption bonus▾

Redeem your cash back as an electronic deposit into a Commerce myRewards Savings account and Commerce adds a bonus equal to 25% of the amount redeemed — effectively turning 4% into 5%, and 1% into 1.25%.

$0No annual fee▾

No annual fee.

UnlimitedNo caps on cash back▾

There are no caps or point limits on how much cash back you can earn in any category.

1–2%Foreign transaction fee — heads up▾

Unlike most cards we compare, this one does charge a foreign transaction fee: 1% of each transaction billed in U.S. dollars and 2% of each transaction in a foreign currency. Consider a no-FX card for travel abroad.

Terms apply; verify current details with Commerce Bank before applying.

The latest changes to this card — newest first. Verified against issuer terms.

June 2026NEW

0% intro APR for 12 billing cycles

Current offer: 0% introductory APR on both purchases and balance transfers for the first 12 monthly billing cycles, then 18.74%–28.74% variable.

2026

4% back on streaming & cable — no cap

One of the strongest streaming rates on a no-annual-fee card: unlimited 4% on streaming video, streaming music and cable, plus 2% on groceries and 1% everywhere else.

2026

Heads up: this card charges a foreign transaction fee

Unlike most cards we compare, Special Connections charges 1% on transactions billed in U.S. dollars and 2% on foreign-currency transactions — worth avoiding for spending abroad.

Advertiser Disclosure: MyCreditPerks may earn a commission when you apply through a link on our site, at no cost to you. Rankings and values are based solely on reward rates, fees, and estimated value — advertiser relationships never influence results. Reward values are estimates; verify current terms with Commerce Bank before applying.