Commerce Bank World Elite Mastercard®
- Annual fee
- $95
- Recommended credit
- Excellent / Good
- Card network
- Mastercard
- Intro purchase APR
- 0% for 12 months from account opening date
At a glance
The Commerce Bank World Elite Mastercard® is a cash back rewards credit card that performs well no matter the setting. The card, from Commerce Bank, earns 3% cash back on coffee shop and dining purchases and 1.5% cash back for every other purchase. There is no cap on points, and for those who prefer rewards rather than cash back, they can redeem their points for gift cards, merchandise, travel, and more. New account holders also benefit from 0% intro APR for 12 months on purchases and balance transfers.
Our review of the Commerce Bank World Elite Mastercard®
If you’re looking for a cash back rewards credit card that offers luxurious travel benefits, the Commerce Bank World Elite Mastercard® is worth considering. This card, offered by Midwestern-based Commerce Bank, provides an impressive 3% cash back on purchases at coffee shops and restaurants, as well as 1.5% cash back on all other purchases.
A Simple Welcome Offer
New cardholders can take advantage of a 0% intro APR for 12 months on purchases and balance transfers with the Commerce Bank World Elite Mastercard®. After the introductory period, a low APR based on the Prime Rate will apply.
Unlimited Rewards on Every Purchase
Earn unlimited cash back rewards with the Commerce Bank World Elite Mastercard®. Receive 3% back on dining and coffee shop purchases, and 1.5% back on all other eligible purchases. There are no caps on the points you can earn, and rewards can be redeemed for gift cards, merchandise, travel, statement credits, and more.
Commerce Bank Credit Card Comparison
Compare the Commerce Bank World Elite Mastercard® with other cash back credit cards offered by Commerce Bank:
- Commerce Bank toggle® Visa Card
- Commerce Bank Special Connections® World Elite Mastercard®
World Elite Perks
As a World Mastercard product, the Commerce Bank World Elite Mastercard® offers exclusive travel benefits, including no foreign transaction fees and access to Mastercard’s premium travel services. Enjoy the Mastercard Airport Concierge Service, Priceless Cities program, travel insurance, and more.
Other Card Features
While the Commerce Bank World Elite Mastercard® has a $95 annual fee, the card’s benefits make it worth considering. There are no foreign transaction fees, and cardholders can receive TSA PreCheck statement credits every four years.
Should You Apply for the Commerce Bank World Elite Mastercard®?
Overall, the Commerce Bank World Elite Mastercard® is a solid choice for residents of the Midwestern and Central United States. With versatile rewards and exceptional travel perks, this card is a great option for those with excellent credit. Consider applying if you live within Commerce Bank’s service area and are looking for a reliable cash back rewards card.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- 3% cash back on dining and at coffee shops
- 1.5% cash back on all purchases
- Unlimited earning
- No foreign transaction fees
Who this card may suit
- You want a versatile rewards card that works well worldwide
- You don’t like the idea of paying foreign transaction fees
- You don’t mind paying $95 per year
- You want to earn 3% cash back on coffee shop or dining purchases
Rates, fees and terms
| Annual Fee | $95 |
|---|---|
| Intro Purchase APR | 0% for 12 months from account opening date |
| Regular Purchase APR | 17.49% variable based on the Prime Rate |
| Intro Balance Transfer APR | 0% for 12 months from account opening date |
| Balance Transfer APR | 17.49% variable based on the Prime Rate |
| Balance Transfer Transaction Fee | Either $10 or 5% of the amount of each balance transfer, whichever is greater |
| Cash Advance APR | 30.49% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Penalty APR | 32.49% variable based on the Prime Rate |
| Late Payment Penalty Fee | Up to $40 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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Commerce Bank World Elite Mastercard®
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