Special Connections® credit card

Commerce Bank Secured Visa Credit Card is a secured card that helps people with poor credit to build, strengthen and rebuild their credit score.

Credit needed
12.24% to 25.24%
Annual Fee

Card Summary

Special Connections is a reward credit card. You get 3% cashback on purchases made through ridesharing, coffee shops, and gas stations, and you earn 2% on purchases at restaurants, gas stations, and other retail outlets.

For the first twelve months, there is an introductory rate of 0% on balance transfers and purchases. The APR will increase from 0% to 12.24% depending on creditworthiness.

Special Connections Credit Card charges an annual fee $0.

The Best Features

Annual Fee: $0

Reward: With the Special Connections card, you can get 3% cashback on rides, coffee shops, and fast food purchases. You also earn 2% at restaurants and gas stations. Other purchases get 1% cashback.

Commerce Bank's Introductory Rate: The card offers a 12-month, 0% APR for purchases and balance transfers. After that you will be charged a variable rate of 12.24% to 25.24% depending on your creditworthiness.


Transfer fee for balance transfers: The transfer fee is 5% or $10 depending on the greater amount.

Card Summary - Cons

Rates and fees

Issuer Name
Commerce Bank
Penalty APR
Credit Needed
Balance Transfer Fee
The greater of $10 or 5%, depending on the balance transfer amount.
Annual Fee
Cash Advance Fee
$10 or 5% for each Cash Advance.
12.24% to 25.24%
Foreign Transaction Fee
Dollars 1% for every transaction made in U.S. Dollars 2.2% for every transaction in dollars other than U.S.


Cashback of 3% for coffee shops, fast food and ride-sharing services. Restaurants and gas with 2% cashback. All other purchases eligible for a 1% cashback.

There is no annual charge. Commerce Bank Card customers are protected online. Commerce Bank is available 24/7 to help you detect and prevent fraud. You won't be held responsible if an unauthorised transaction occurs.

Zero-Liability Protection. Get text alerts. Credit card benefits with Special Connections. No liability for fraud transactions

Comparative Analysis with Other Cards

Credit card Special Connections vs.Chase Freedom Flex

Annual fee: Special Connections charges a $0.0 annual fee. Chase Freedom Flex has no annual fees.

Reward: With the Special Connections card, you will receive 3% cashback on all purchases of ride-sharing services, coffee shops, and fast food, as well as 2% at restaurants and gas stations. Other purchases receive 1% cashback. Chase Freedom Flex will give you 5% cashback on purchases up to $1500 combined in bonus categories every quarter that you activate.

Chase Ultimate Rewards offers 5%, Chase Travel, Chase Dining, Chase Drugstores and Chase All Other Purchases.

Sign-up bonus: Special Connections does not offer any sign-up bonuses. After you have spent $500 in the first three months of your Chase Freedom Flex account opening, you will receive a $200 bonus. You can also earn 5% cashback on groceries (not Target, Walmart), and up to $12,000 in your first year.

Benefits: Special Connections cardholders have no liability for fraudulent transactions. Chase Freedom Flex benefits include no liability for unauthorised charges, purchase protection, and an extended warranty.

Special Connections credit cards Vs. Discover it chrome

Reward: With the Special Connections card you can earn 3% cashback on rides, coffee shops, and fast food, as well as 2% at restaurants and gas stations. Other purchases receive 1% cashback.

Discover it chrome receives 2% cashback at restaurants and gas stations for purchases up to $1,000 each quarter. Other purchases earn you 1% cashback without limit.

Sign-up bonus: Special Connections Credit Card does not offer a sign up bonus. All cashback earned by Discover it Chrome cardholders in the first year will be automatically matched by the Discover it chrome.

Benefits: Special Connections cardholders have zero liability for any fraudulent transactions. Cardholders of Discover It Chrome cards get access to FICO credit scores and can freeze their accounts if they are lost or stolen.


Note: Credit Card summary is for informational purposes only and is not an endorsement of the product. Products and services described are offered by third parties and not Bright Money or its partner banks. Bright Money strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider, or specific product’s site and the information has not been reviewed or provided by the issuer of the product before publication.

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