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Kansas City Royals Mastercard®

Cory Santos

| Last updated on October 18th, 2023

Kansas City Royals Mastercard®

Kansas City Royals Mastercard®
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
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None Annual Fee

Kansas City Royals Mastercard®

  • 20.49% to 30.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 20.49% to 30.49% variable based on creditworthiness and 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

Show your Kansas City Royals pride with the Kansas City Royals Mastercard® from Midwestern-based Commerce Bank. If baseball is your kind of game, this may be your type of rewards credit card – all for no annual fee and an introductory offer, of course. Cardholders also get the best KC Royals™ experiences, perks, and more. Earn unlimited points for your purchases and discover Mastercard features that offer all the security protection one needs in a credit card.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 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
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 20.49% to 30.49% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 20.49% to 30.49% 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: 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
  • Foreign Transaction Fee: 1% of each transaction in U.S. dollars; 2% of each transaction made in currenciesother than U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • You're a diehard Kansas City Royals fan
  • You prefer a no-annual-fee credit card to get the most value on rewards points
  • You want access to exclusive Royals events and unique KC Royals experiences
  • You want discounted tickets to Royals games so they can go all out at the food concession stands
  • You live in the Kansas City area for home game redeemable perks

Kansas City Royals Mastercard Review

Take your Royals pride to the next level with the Kansas City Royals™ credit card. This card will cater to your baseball experience needs between rewards points and introductory offers by simply piling up your reward points.

Co-branded credit cards from Major League Baseball (MLB) teams are rare. Cardless, a leading fintech and digital credit card issuer, previously issued several co-branded sports credit cards, with the Miami Marlins Mastercard the only baseball option. However, that card and the MLB™ Cash Rewards Mastercard® from Bank of America, are no longer available, meaning Royals fans have plenty to gloat about!

Who Can Apply?

Commerce Bank does not serve all 50 U.S. states. Applicants for the Kansas City Royals credit card must live within reasonable driving distance of the city, and the ballpark – Kauffman Stadium.

Commerce Bank credit cards are available to residents of the following U.S. states:
Arkansas Colorado Illinois Iowa
Kansas Kentucky Missouri Nebraska
Oklahoma Tennessee

Introductory 0% APR Offer

Get 0% intro APR for the first 12 months from opening an account for purchases and balance transfers. So, if you’re planning on making a big purchase, like baseball game tickets for the whole family, save yourself some cash on interest with the 0% APR. Pay the purchase off within the first 12 months of opening an account, and you’ll get maximum savings by paying no interest.

Likewise, the introductory offer can greatly benefit you if you want to pay down existing debt. With the 0% APR also applicable on balance transfers, cardholders can consolidate existing debt for 12 months of interest-free payments. This creates an excellent opportunity to chisel down on debt with responsible credit card use.

Get Rewarded with Every Purchase

When you use the Kansas City Royals Mastercard® for your purchases, you will get rewarded for all your shopping. The card’s reward structure is decidedly un-baseball, instead following a similar pattern of other Commerce Bank rewards credit cards:

Categories Explained
3% cash back on Streaming, Cable and Ridesharing When card is used for purchases in the streaming, cable or the ridesharing and taxis categories, including: Cable, Satellite & Other Pay TV/Radio;Record Shops; Digital Goods; and Amazon Services. The cable category does not include Google Fiber. Merchants self-select category, so not all merchants will earn additional bonus – notable exclusions include Amazon Streaming, Pandora and YouTube Music/TV.
2% cash back on Gas, Restaurants, Fast Food When card is used for purchases in the service station or automated fuel dispensers, restaurant, fast food restaurant, and drinking places categories.
1% cash back on All Other Purchases When card is used to make purchases in any other category. Merchants self-select category, so not all merchants will earn additional bonus.

Earning triple points on streaming is a great feature for the Royals fan who plans to subscribe to an eligible streaming service to watch all their team’s home (and road) games throughout the season. The 2X on gas is equally pleasing. Fill up the gas tank, head out to your favorite restaurant on a night out with some fine dining, and collect points in return. Every purchase made with the Kansas City Royals Mastercard® will earn you points from any category ranging from food and dining to gas stations, shopping, and more.

Commerce Bank rewards expire three (3) years from the calendar quarter in which they were earned.

How to Redeem Points

Redeem your Kansas City Royals™ Mastercard® points for exclusive cardholder experiences like VIP events, discounted tickets, and more. The unique Royals Rewards are typically available during the regular MLB season. These experiences you won’t want to miss, and the list is long.

Some of these experiences include watching the fireworks from center field, Bullpen Breakfast with a Royals ™ celebrity, Dugout Suite tickets, and so much more. The redeemable experiences change often. Sometimes you can get home game tickets for 2,000 points. To break that down, if you’re spending about $300 at gas stations, coffee shops, and rideshares per month combined, that’s almost half the points needed for experiences worth 2,000 points. You’ll be well on your way to the next ball game with the way this card stacks up on the rewards points.

Mastercard Benefits

As with all Mastercard credit cards, the Kansas City Royals™ Mastercard® comes equipped with standard peace-of-mind features. Keep your payment information protected from fraud and identity theft, plus more. The Mastercard perks include the following:

Zero Liability Protection Mastercard Global Services ID Theft Protection

Commerce Bank Ratings

What’s it like to live with Commerce Bank as a credit card issuer and bank? Here is a selection of reviews for the Midwestern bank:

Should You Apply for the Kansas City Royals Mastercard?

Overall, the Kansas City Royals Mastercard is a competent rewards card that caters to the tastes of Royals fans everywhere. The card earns reliable rewards points with every purchase, including 3% back on fast food and rideshare purchases. This is ideal for those traveling to (or from) the ballpark. The card further benefits from cool perks, including the chance to redeem rewards points for stellar KC Royals fan experiences and more.

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