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Credit Needed
Excellent

Commerce Bank World Elite MasterCard® Review

Top Features

Cashback on Gas
1%
Cashback on groceries
1%
Cashback on other
1% - 3%
Annual Fee
$125

This card compared to other cash back cards

Card Name
Commerce Bank World Elite MasterCard®
Cashback on Gas
1%
1-5%
Unlimited 1.5% cash back
Cashback on Groceries
1%
1-5%
Unlimited 1.5% cash back
Cashback on other
1% - 3%
5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
Unlimited 1.5% cash back
Purchase Intro
APR:
0.00% Introductory APR for 9 monthly billing cycles after account opening
Period:
9 monthly billing cycles
APR:
0%
Period:
14 months
APR:
0% Intro APR on Purchases
Period:
for 15 months
Purchase APR
12.74% (Variable) 
11.99% - 23.99% Variable 
15.99%-24.74% Variable 
CardRatings.com Editorial Staff

Commerce Bank World Elite MasterCard® details

Balance Transfer Intro APR:
0.00% Introductory APR for 9 monthly billing cycles after account opening
Balance Transfer Intro Period:
9 monthly billing cycles
Purchase Intro:
APR:
0.00% Introductory APR for 9 monthly billing cycles after account opening
Period:
9 monthly billing cycles
Purchase APR:
12.74% (Variable)
Annual Fee:
$125
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 8.99%
 8.99%
 21.99%
APR:
  12.74% (Variable)
 12.74% (Variable)
 25.74% (Variable)
APR Floor:
 N/A
 N/A
 N/A
Intro Rate:
 0.00% Introductory APR for 9 monthly billing cycles after account opening
 0.00% Introductory APR for 9 monthly billing cycles after account opening
 N/A
Intro Period:
 9 monthly billing cycles
 9 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% (see Notes)
Default/Penalty APR Floor:
 None
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:
 $125
Foreign Transaction Fee:
 None
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:
 Earn 1% Cash Back for every dollar in Net Merchandise Purchases. Earn 2% Cash Back for every dollar in Net Merchandise Purchases made at travel and restaurant retailers. Earn 3% Cash Back for every dollar in interest you accrue on your monthly balances. Earn 2% & 3% Cash Back for purchases in select categories. Receive a 5% annual point dividend when you make $50,000, or more, in Net Merchandise Purchases. Redeem for Cash Back or choose from gift cards, travel, merchandise and more.
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:
 Classic
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

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  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
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Credit Needed:
Excellent, Good
Apply online for Chase Freedom Unlimited℠

Chase Freedom Unlimited℠

  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99%-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash - any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Credit Needed:
Excellent/Good