| Last updated on October 27th, 2023
Commerce Bank World Elite Mastercard®
Commerce Bank World Elite Mastercard®
Commerce Bank World Elite Mastercard®
- 17.49% variable based on the Prime Rate Regular Purchase APR
- 17.49% variable based on the Prime Rate Balance Transfer APR
- 30.49% variable based on the Prime Rate Cash Advance APR
- 0% for 12 months from account opening date Intro Purchase APR
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.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 3% cash back on dining and at coffee shops
- 1.5% cash back on all purchases
- Unlimited earning
- No foreign transaction fees
- 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
- Annual Fee: $95
- Late Payment Penalty Fee: Up to $40
- 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
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.
A Simple Welcome Offer
New accounts with Commerce Bank enjoy basic but quality welcome offers – and the Commerce Bank World Elite Mastercard is no different. Cardholders enjoy 0% intro APR for 12 months from account opening on all purchases and balance transfers with the World Elite Mastercard® credit card. Then, enjoy your everyday low APR based on the Prime Rate afterward.
Earn (and Redeem) Unlimited Rewards on Every Purchase
The cash back rewards with the Commerce Woorld Elite Mastercard are robust and designed to satisfy those who want everyday rewards that work for their lives. The card earns an unlimited 3% back at restaurants and coffee shops – two categories that Commerce Babnk loves to use. Cardholders also earn an unlimited 1.5% back on all other eligible purchases.
With the Commerce Bank World Elite Mastercard®, no caps on the points can be earned. For those who don’t want their rewards as cash back, the card also allows for redemption as gift cards, merchandise, travel, statement credits, or other rewards – a nice feature.
Commerce Bank Credit Card Comparison
Commerce Bank issues several proprietary cash back credit cards. Here is how the premium World Elite Mastercard stacks up with Commerce’s other credit card products:
 toggle® Visa Card |
 Special Connections® |
 World Elite Mastercard® |
|
| Annual fee | $0 | $0 | $95 |
| Rewards | 3% cash back at coffee shops, fast food, and ride shares, 2% cash back on gas and restaurant purchases, and 1% back on all other purchases | Unlimited 1.5% cash back on all purchases | Unlimited 3% cash back on dining and at coffee shops and 1.5% cash back on all purchases |
| Intro APR | N/A | N/A | 0% for 12 months on purchases and BTs |
| Other | Cell phone protection | No preset spending limit | LoungeKey lounge access, TSA PreCheck credits, no preset spending limit |
World Elite Perks
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, and Mastercard’s comprehensive travel insurance and fraud protection coverage.
| Zero Liability Protection | Airport Concierge | Cell Phone Protection |
| Mastercard Global Services | Priceless Experiences | Lyft Credits |
| ID Theft Protection | Priceless Golf | Mastercard Travel Services |
| Mastercard Hotel Stay Guarantee | ShopRunner Membership | Hello Fresh Savings |
Other Card Features
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 no foreign transaction fees. If you travel frequently, you’ll love the TSA PreCheck statement credits every four years when you use the Commerce Bank World Elite Mastercard to pay for the Global Entry of TSA PreCheck application fees.
Commerce Bank Ratings
How does Commerce Bank as a credit card issuer? Here is a selection of ratings for the popular Midwestern bank:
| BestCards | Better Business Bureau | TrustPilot |
|
3/5 |
1.5/5 |
2.5/5 |
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 Midwestern and Central United States residents – and should be carefully considered. The card not only provides versatile rewards for everyday life but adds on exceptional travel perks you typically wouldn’t find with a $95 annual fee travel credit card. The biggest letdown is the lack of travel-related rewards categories, closely matched by the lack of a cash back or points welcome offer. Still, there is more than enough to like with the card, making it a great option if you have excellent credit and live within the reach of Commerce Bank.
Browse Other Commerce Bank Credit Cards:
Editorial Disclosure – The opinions expressed on BestCards.com's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, BestCards.com lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.