Special Connections® Visa® Credit Card — Commerce Bank is a personal credit card from Commerce Bank. The annual fee is $0. The ongoing APR is 18.99% to 28.99% variable, based on creditworthiness; varies with the Prime Rate (Important Terms accurate as of September 2026) after a 0% intro APR introductory rate for 12 months. Approval typically requires a credit score of 750 or higher. Rewards: up to 4% Cash Back in top categories every day. Cash back: up to 4%. Typical credit limit: At least $500. This product reports activity to your personal credit report. Primary bureau pull: Experian per community data.