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KC Royals Mastercard Credit Card

Kansas City RoyalsTM Mastercard® Credit Card

KC Royals Mastercard®


  • 0% Intro  APR2 for 12 monthly billing cycles after account opening on Purchases and Balance Transfers, then 15.24% - 25.24% Variable APR3
  •  Unlimited Cash Back1 with no point caps & no opt-in 
  • Redeem for Cash Back1, gift cards, travel, Royals merchandise and more! A Cash Back redemption is applied as a statement credit.
  • No Annual Fee
  • Zero Liability6 Protection
Unlimited 1% Cash Back(1) with 2%-3% Cash Back(1) on purchases in select categories(2)

New! icon Limited-Time Redemption Item - 15,000 points

Fielder's Choice Goods Wallet

One-of-kind, handcrafted Fielder's Choice Goods wallet made from recycled and repurposed vintage baseball gloves. It's the perfect new home for your KC Royals Mastercard®.

Redeem now

Exclusive Royals™ Experiences

In light of COVID-19, we are working closely with MLB® on modifications to our 2020 Exclusive Royals™ Experiences available to our Kansas City Royals™ Mastercard® cardholders.

View currently available experiences


The below experiences are representative of our many unique Royals Rewards offerings typically available during a regular MLB® season:

  • Tickets to Opening Day at The K
  • Dugout Suite tickets
  • Bullpen Breakfast with a Royals™ celebrity
  • Diamond Club tickets
  • Cardholder Appreciation Event
  • Watch the game with a Royals™ alum (in a suite!)
  • Watch fireworks from center field
  • All-access tour of Kauffman Stadium
  • Throw out the first pitch
  • Lunch with the broadcast team


* View Important Terms of the KC RoyalsTM Mastercard® [PDF]

  1. 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.

  2. 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.

  3. Your standard APR will be determined based on your creditworthiness at Account opening and will be disclosed in your Account Opening Disclosure with your new credit card approximately 7 - 10 business days after Account approval. 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.

  4. "Purchases" refers to “Net Merchandise Purchases” meaning 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 Transfers or transactions using Convenience Checks or any associated fees. Other exclusions apply.

  5. Please note that merchants self-select the category in which transactions will be listed and some merchants may be owned by other companies, therefore transactions may not be counted in the category you might expect. Purchases made using Near Field Communication (NFC), virtual wallets, or similar technology may not be eligible for bonus points. Offer cannot be combined with other promotional offers or World Elite MasterCard® points earned for travel and restaurants. See Rewards Terms & Conditions for full program details.

  6. Customer must notify Commerce Bank within 60 days of receiving statement with unauthorized account activity.

  7. Neither Commerce nor Royals™ their respective employees, officers, affiliates or agents assume any responsibility for, and will not be held liable for any loss, injury, death or damage to any person or property, as a result of Royals™ Item reward, or in transit to or from said any such reward or any cause whatsoever due to accidents, delays, cancellation due to nature, mechanical breakdown, strikes, acts of God, inconvenience, or irregularity which you may suffer by reason of a Royals™ Item reward. Neither Commerce nor Royals™, their respective employees, officers, affiliates or agents assume any responsibility for any promises or claims, written or verbal, made by anyone other than those made in these Royals™ Items Terms and Conditions.

    Commerce and Royals™ reserve the right to substitute Royals™ Items described in this program with other comparable Items of equal or greater value. Royals™ Items described or pictured herein may not necessarily be the exact color or have the same features (for example, autographs) due to production variations or manufacturer changes or upgrades and, in any event, all Royals™ Items are subject to availability.

    All trademarks, service marks and trade names used in the Commerce Bank Royals™ Rewards Program are with permission of the respective owners. The names "Kansas City Royals™", "Royals™", "Kauffman Stadium" and "The K" alone and in combination with the Commerce Bank Royals™ Rewards Program design, are property of Kansas City Royals™ Baseball Corporation and the names "Commerce" and "Commerce Bank" are the property of Commerce Bank. No use of these may be made without the prior written authorization of the Kansas City Royals™ Baseball Corporation and Commerce Bank. All other product and company names mentioned herein may be trademarks of their respective owners.

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