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MSTA Visa(R) Rewards Credit Card

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THE MSTA VISA® REWARDS CREDIT CARD

As a valued MSTA member, we are excited to offer you the new MSTA Visa® Rewards credit card! Apply today »

Show your support for MSTA!

Members of the Missouri State Teachers Association are invited to apply for the new MSTA Visa® Rewards credit card. The new card features one of the most flexible rewards programs available. Earn points that can be redeemed for thousands of reward options like Merchandise, Gift Cards, Travel, and more!

  • Unlimited Point Earnings!
  • Free Commerce Bank Rewards!
  • No Annual Fee

MSTA Visa® Rewards credit card


Highlights

  • As a member of the Missouri State Teachers Association, we are excited to offer you the MSTA Visa® Rewards Credit Card!

Annual Percentage Rate

  • 1.99% Introductory1 APR on Purchases and Balance Transfers, for 6 monthly billing cycles after account opening, then a competitive rate of 16.24% APR2.
  • View Important Disclosures

Annual Fee

  • $0

Rewards3

  • Earn one point for every dollar in net merchandise purchases.
  • Earn three points for every dollar in interest you accrue on your monthly balance.
  • Points can be redeemed for merchandise, gift cards, cash back, travel, and more!
  • UNLIMITED point earning is here! No cap exists on the points you can earn each year.

Additional Benefits

  • Online E-Statements
  • Optional Auto Pay
  • 24/7 Customer Service (except holidays) and Online Account Access
  • Zero Liability coverage4
  • Auto Rental Collision Damage Waiver
  • $100,000 Travel Accident Insurance
  • Emergency Card Replacement and Emergency Cash Disbursement

Commerce Bank Rewards Benefits*

The best way to earn points - and more!

In this rewards program, you earn points based on net purchases and finance charges accrued, if you choose to revolve a balance. What makes the Commerce Bank Rewards program unique is the flexibility. You can redeem your points for travel, gift certificates, merchandise and more!

  • Earn 1X Point for every dollar in Net Merchandise Purchases
  • Earn 3X Points for every dollar in interest you accrue on your monthly balances
  • Unlimited Point Earning. There is no limit to the number of points you can earn each year
  • Redeem for merchandise, gift cards, cash back, travel and more
  • Earn Up to 20X Bonus Points per $1 you spend on Qualifying Purchases
    Shop in-store using your Commerce Bank credit card at a participating retailer or online through the Commerce Bank Rewards site, and you’ll earn points! Best of all, this is in addition to one (1) point for every dollar in Net Merchandise
    Purchases.

* See Commerce Bank Rewards Program Terms and Conditions for full details call 800-678-0769.


VIP Benefits


Earn 10X Bonus Points per $1 spent at Missouri State Teacher's Association on membership fees if paid with the MSTA Visa Rewards Card.

Offer Details
Bonus points are earned on purchases made ONLY when using your Commerce Bank credit card at the Missouri State Teacher's Association. Purchase must be made by phone or online through the Commerce Bank Rewards Program Website. Bonus points are earned based on the net price of eligible goods and services purchased, including tax and any special services.

The Missouri State Teachers Association and Commerce Bank reserve the right to make changes to the VIP cardholder benefits at any time, with or without prior notice. Commerce Bank is not responsible for fulfillment of the VIP benefits, or failure to provide the stated benefits and services.




Disclosures:

  1. We may end your Introductory APR and apply the Penalty APR if you fail to make the required minimum monthly payment within 60 days of the respective payment due date.
  2. This APR will vary with the market based on the Prime Rate. The Prime Rate used to determine the APR on your Account is the U.S. Prime Rate published in The Wall Street Journal in its column called "Money Rates" on the last business day of each month.
  3. See Commerce Rewards Terms and Conditions for full details or call 800-678-0769.
  4. Customer must notify Commerce Bank within 60 days of receiving statement with unauthorized account activity.