Kansas City Royals Mastercard®

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Last updated on April 15th, 2021

Kansas City Royals Mastercard®

Discounted Game Tickets + 3% Cash Back

Kansas City Royals Mastercard®
  • Regular Purchase APR 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee None
  • 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, coffee shops, and ride shares
  • 2% cash back on gas
  • 1% cash back on all other purchases
  • Discounted game tickets and exclusive events
  • No annual fee
Rates & Fees
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 15.24% to 25.24% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 15.24% to 25.24% variable based on creditworthiness and 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
  • Foreign Transaction Fee: 1% of each transaction in U.S. dollars; 2% of each transaction made in currencies other than U.S. dollars
  • Late Payment Penalty Fee: Up to $40
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At a Glance

The Kansas City Royals Mastercard is a rewards credit card that offers exclusive Royals perks and unlimited cash back earning. The card, from Midwestern-based Commerce Bank, earns 3% cash back on coffee shop, fast food, and rideshare purchases, 2% back at restaurants and gas stations, and 1% back for every other purchase made with the card. Cardholders also receive 0% introductory APR for the first 12 months, as well as exclusive Royals offers and experiences, including discounted tickets. The card has no annual fee.

Ideal for Those Who:

  • Don’t want to pay an annual fee
  • Want access to exclusive Royals events and experiences
  • Want discounted tickets to Royals games
  • Want to earn great cash back rewards for every purchase
  • Live in the Kansas City area

Kansas City Royals Mastercard Review

The Kansas City Royals Mastercard from Commerce Bank offers Royals fans unique offers and exclusive experiences. Royals fans receive specially discounted tickets to games as well as access to game day experiences and exclusive KC offers and events. For 70,000 points, for example, cardholders can throw out the first pitch at a Royals game – even getting to choose their own catcher – not too shabby!

The Kansas City Royals Mastercard is more than just a baseball fanatics dream, however. The card also serves as a valuable cash back rewards card. The card earns 3% cash back on purchases made at both coffee shops and fast-food restaurants, as well as when booking rides through rideshare programs, like Lyft or Uber.

Cardholders earn 2% cash back for purchases at gas stations and all other restaurants, as well as 1% cash back on all other purchases. There are no caps to the amount of cash back a cardholder can earn. 

The Royals Mastercard also benefits from a special introductory interest rate of 0% intro APR for the first 12 months on both purchases and balance transfers. Once this introductory rate ends, however, the typical APR isn’t exciting – starting at around the national average of 17%, though the precise rate will vary depending on both the Prime Rate and the creditworthiness of the applicant.

While this APR isn’t impressive, it isn’t a negative either. Fortunately, this uninspiring APR is offset by no annual fee, meaning the Kansas City Royals Mastercard is the perfect option for a baseball mad person who wants exclusive access to Royals perks and great rewards.

Should You Apply for the Kansas City Royals Mastercard?

Overall, the Kansas City Royals Mastercard is a competent cash back card that caters to the tastes of Royals fans everywhere. The card earns a reliable amount of cash back with every purchase, including 3% back on fast food and rideshare purchases – ideal for those traveling to (or from) the ballpark. The card further benefits from some pretty cool perks, including the chance to redeem cash back rewards for a chance to throw at the first pitch at a Royals game! Pretty cool!

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