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Commerce Bank World Elite Mastercard®

Commerce Bank World Elite Mastercard®

Unlimited 1.5% Cash Back on Every Purchase

Commerce Bank World Elite Mastercard®
  • Regular Purchase APR 12.24% variable based on the Prime Rate
  • Balance Transfer APR 12.24% variable based on the Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee $95
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 12 months from account opening date
  • Processing Network Mastercard
Best Benefits
  • 3% cash back on dining and at coffee shops
  • 1.5% cash back on all purchases
  • Unlimited earning
  • No foreign transaction fees
Rates & Fees
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 12.24% variable based on the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 12.24% 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: 25.24% 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: 27.24% variable based on the Prime Rate
  • Annual Fee: $95
  • Late Payment Penalty Fee: Up to $40

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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 earnable, 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.

Ideal for Those Who:

  • Want a versatile rewards card that works well worldwide
  • Don’t like the idea of paying foreign transaction fees
  • Don’t mind paying $95 per year
  • Want to earn 3% cash back on coffee shop or dining purchases

Commerce Bank World Elite Mastercard® Review

The Commerce Bank World Elite Mastercard® is a cash back rewards credit card that allows members to travel the world in luxurious style. The card, an offering of Midwestern-based Commerce Bank, earns an impressive 3% cash back on purchases made at coffee shops or when dining, as well as 1.5% cash back on every other purchase made. With the Commerce Bank World Elite Mastercard®, there are no caps on the amount of points that can be earned. For those who don’t want their rewards as cash back, the card also allows for redemption as either gift cards, merchandise, travel, statement credits, or other rewards – a nice feature.

As the Commerce Bank World Elite Mastercard® is a World Mastercard product, cardholders can expect a power tool designed for world travel. As such, the card features no foreign transaction fees and exclusive access to Mastercard’s luxurious World travel benefits. These impressive perks include Mastercard Airport Concierge Service (at an additional cost), access to unique experiences through the Priceless cities program, complimentary travel services and advisers, as well as Mastercard’s comprehensive travel insurance and fraud protection coverage.

While the Commerce Bank World Elite Mastercard® features an annual fee of $95, the perks included with the card more than offset this fee. Further value is added with the benefit of 0% introductory APR for the first 12 months on both purchases and balance transfers, followed by a fairly average typical interest rate after that (though the exact rate will vary depending upon the creditworthiness of the applicant and the Prime Rate).

Should You Apply for the Commerce Bank World Elite Mastercard®?

Overall, the Commerce Bank World Elite Mastercard® is a very solid and reliable cash back rewards card for residents of the Midwestern and Central United States – and one that should be carefully considered indeed.