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World Elite MasterCard®

WorldElite MasterCard
Visit the nearest Commerce Bank Branch to apply.


  • Commerce Bank’s premier travel card with distinctive benefits and rich rewards program.
  • Travel with ease! Receive a chip-enabled card, no foreign transaction fees, concierge service, and airport lounge membership upon application approval.
  • Learn more: Guide to World Elite Cardholder Benefits.

Annual Percentage Rate

  • 0% Introductory1 APR on Purchases and Balance Transfers, for 9 monthly billing cycles after account opening, then a competitive rate of 12.49% APR.2.
  • View Important Disclosures

Annual Fee

  • $125


  • Earn 1% Cash Back4 for every dollar in Net Merchandise Purchases.
  • Earn 2% Cash Back4 for every dollar in Net Merchandise Purchases made at travel and restaurant retailers5.
  • Earn 3% Cash Back4 for every dollar in interest you accrue on your monthly balances.
  • Received a 5% annual point dividend6 when you make $50,000, or more, in Net Merchandise Purchases.
  • Earn 2% & 3% Cash Back4 for purchases in select categories.5
  • Redeem for 1% Cash Back4 or choose from gift cards, travel, merchandise and more.
  • UNLIMITED point earning. There is no cap on (limit to) the points you can earn each year.
  • Points expire after 5 years.

Special Privileges

  • No Foreign Transaction Fees - Use your Commerce Bank World Elite MasterCard to make purchases while travelling internationally.
  • Safe and Easy Travel - Your chip-enabled credit card is accepted at more international locations and provides enhanced security when you travel abroad. Learn more about chip-enabled credit cards.
  • No Pre-Set Spending Limit7 provides you with remarkable purchasing power.
  • Airport Lounge Membership8 – Enjoy complimentary membership to LOUNGE CLUB with more than 350 VIP lounges in major airports in over 85 countries worldwide.
  • Commerce Bank Concierge9 provides you with 24/7 concierge service that acts like a personal assistant.

Additional Benefits


  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 World Elite Rewards Terms and Conditions for full details or call 877-787-3171.
  4. 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.
  5. 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.
  6. A 5% annual point dividend will be awarded each calendar year (January 1 through December 31) when you make $50,000.00, or more, in Net Merchandise Purchases. The amount of the dividend will equal 5% of your total Net Merchandise Purchases made during the calendar year. The Annual Point Dividend will be awarded within approximately 14 business days of the end of each calendar year.
  7. No Pre-Set Spending Limit does not mean unlimited spending; rather each charge that causes your Account to exceed its Revolving Credit Line will be evaluated by us based on several factors. Any balance that exceeds your Revolving Credit Line will be added to your minimum payment and will be due and payable when you receive your periodic statement.
  8. Use of your LOUNGE CLUB benefit will incur certain lounge visit fees. By using your LOUNGE CLUB benefit, you agree that you are obligated to pay for lounge visits and such fees will be automatically charged to your Commerce Bank World Elite MasterCard by Priority Pass Limited.
  9. Certain terms, conditions, limitations, and exclusions apply. All costs for goods or services purchased are the responsibility of the cardholder.
  10. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
  11. 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.
  • 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.