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Credit Needed
Excellent

Commerce Bank Royals™ MasterCard® with Rewards Review

Top Features

Points or Miles
Bonus Miles or Points
Purchase APR
14.74% to 20.74% (Variable) 
Annual Fee
None

This card compared to other travel rewards cards

Card Name
Commerce Bank Royals™ MasterCard® with Rewards
Points or Miles
2X miles/$1 on all purchases. Get 5% miles back to use toward your next redemption, every time you redeem
2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide
Bonus Miles or Points
Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $500 travel statement credit
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards(R)
Purchase APR
14.74% to 20.74% (Variable) 
16.74%, 20.74% or 23.74%* Variable 
16.74% - 23.74% Variable 
Annual Fee
None
$89-Waived first year
$95
Rates and Fees
CardRatings.com Editorial Staff

Commerce Bank Royals™ MasterCard® with Rewards details

Balance Transfer Intro APR:
0.00% Introductory APR for 12 monthly billing cycles after account opening
Balance Transfer Intro Period:
APR:
12 monthly billing cycles
Balance Transfer Fee:
Either $10 or 5% of the amount of each Balance Transfer, whichever is greater.
Annual Fee:
None
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 10.99% to 16.99%
 10.99% to 16.99%
 21.99%
APR:
  14.74% to 20.74% (Variable)
 14.74% to 20.74% (Variable)
 25.74% (Variable)
APR Floor:
 N/A
 N/A
 N/A
Intro Rate:
 0.00% Introductory APR for 12 monthly billing cycles after account opening
 0.00% Introductory APR for 12 monthly billing cycles after account opening
 N/A
Intro Period:
 12 monthly billing cycles
 12 monthly billing cycles
 N/A


Finance Calculation Method:
 Daily balance method (including new transactions)
Default/Penalty APR:
 27.74% (Variable); If your APRs are increased for the stated reason, the Penalty APR will apply until you make six consecutive minimum payments when due.
Default/Penalty Margin:
 23.99%
Default/Penalty APR Floor:
 N/A
Maximum Default APR:
 (Variable)
Penalty/Default Trigger:
 This APR may be applied to your Account if you fail to make the required minimum monthly payment within 60 days of the respective payment due date.

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 1% of each transaction in U.S. Dollars. 2% of each transaction made in currencies other than U.S. dollars.
Late Fee:
 Up to $37
Over-the-limit Fee:
 None
Balance Transfer Fee:
Either $10 or 5% of the amount of each Balance Transfer, whichever is greater.  


Notes:

Rebate Description:
 Unlimited 1% Cash Back on net purchases. Earn 2% & 3% Cash Back for purchases in select categories.
Special Notes:
 Returned Payment Fee: None.
Credit Card More Information:

Card Issued By:
 Commerce Bank
General Correspondence Address:
1000 Walnut
Kansas City, MO 64106
Card Type:
 MasterCard
Card Class:
 Platinum
Card Category:
 Travel Rewards
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

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Apply online for Barclaycard Arrival Plus™ World Elite Mastercard®

Barclaycard Arrival Plus™ World Elite Mastercard®

  • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $500 travel statement credit
  • Earn 2X miles on all purchases
  • Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.74%, 20.74% or 23.74%, based on your creditworthiness. Please note, there is a fee for balance transfers
Credit Needed:
Excellent
Apply online for Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards(R)
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Credit Needed:
Excellent/Good