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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 1% Cash Back1
  • Earn 2% & 3% Cash Back1
    for purchases in select categories2
  • No Annual Fee

Disclosures:

  • The statement credit will reduce your balance, but you are still required to make at least your minimum payment. Values for non-cash back redemption items such as merchandise, gift cards, and travel may vary.
  • Merchants self-select the category in which they would like their transaction items to be listed. Please note some merchants may be owned by other companies, therefore transactions may not be counted in the expected category. A maximum of 2,500 bonus points will be awarded per quarter, per rewards account.

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 16.49%2.
  • 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


Disclosures:

  1. We may end your Introductory APR and apply the Penalty APR of 27.49% 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. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
  5. Customer must notify Commerce Bank within 60 days of receiving the first statement with unauthorized activity. For specific restrictions, limitations and other details, please consult Commerce Bank.

Commerce Bank Rewards1

Rewards Made Better!

Use your Commerce Bank Rewards credit card for all of your purchases, and watch your points add up!

EARN REWARDS

1% Cash Back2 for every dollar in Net Merchandise Purchases3.

3% Cash Back2 for every dollar in interest you accrue on your monthly balances.

Earn 2500 bonus points with 2% & 3% cash back

COMMERCE BANK REWARDS OFFERS

Unlimited Cash Back2! There is no limit to the amount of Cash Back2 you can earn.

Convenience – Redeem online anytime, anywhere.

Flexibility – Hundreds of options under one program. Simply pick the reward that meets your needs.

Simplicity – Use your card for purchases, earn rewards and redeem easily online or by phone.

Disclosures:

  • See Commerce Rewards Terms and Conditions for full details or call 800-678-0769.
  • A Cash Back redemption is applied as a statement credit. The statement credit will reduce your balance, but you are still required to make at least your minimum payment. Values for non-cash back redemption items such as merchandise, gift cards, and travel may vary.
  • "Net Merchandise Purchases" means purchases of merchandise or services on the Account, less any returned merchandise credits or service credits posted to the Account. Net Merchandise Purchases does not include Cash Advances, Balance or associated fees, money transfers or other fees, gaming chips, or fees or premiums for coverage or insurance to protect the balances of an Account holder’s Account. Questions concerning eligible transactions and what constitutes Net Merchandise Purchases will be determined at the sole discretion of Commerce.
  • Offer eligible for Net Merchandise Purchases made from the promotional period start date (or the date on which you sign up, whichever is later) through the end of that quarter’s promotional period. Activation required. See Rewards Terms & Conditions for full program details. Merchants self-select the category in which they would like their transaction items to be listed. Please note some merchants may be owned by other companies, therefore transactions may not be counted in the expected category.

Helpful Tools

Contact Us:

Call:

  • To apply over the phone, please call 1-800-725-0512
  • Existing customers, please call 1-800-645-2103

Click: Email Us†
Come by: Find a branch or ATM
Log in: Access your accounts

Disclosures:

  • To send an email that contains confidential information, please visit the Secure Message Center where there are additional instructions about whether to use Secure Email or Online Banking messaging.
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