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KC Royals™ Mastercard® Reviews

KC Royals credit card
4.3/5 overall rating
(318 reviews)
Get access to game-day experiences, exclusive ticket discounts and special events – all while earning up to 3X points with the KC Royals™ Mastercard®.
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Happy Customer

I have been a long time customer, probably since early 80's. I had to adjust to seeing my statements online and don't care for doing my banking online. I worry about safety since apparently everything can be hacked. I liked receiving my paper statement and year end summary mailed. But I am learning! I always get good service at drive-up windows.
Karen O
Kansas City, MO
Cardholder since 2014
I have no complaints
Timothy J
Hays, KS
Cardholder since 1995
Would like the points lower amounts to redeem
Elizabeth D
Hutchinson, KS
Cardholder since 2017

Customer service

Trying to pay my motorcycle loan is like a 3 ring circus. No less than 3 people I have to give my information too in order to pay my loan. Never used to be like that.
Jack A
Kansas City, MO
Cardholder since 2000
Michael N
Clive, IA
Cardholder since 1996
Maurice V
Shawnee, KS
Cardholder since 2017
Please with the checks to reduce higher yield credit cards
William F
Lenexa, KS
Cardholder since 2017
Mark P
Pittsburg, KS
Cardholder since 2016

Unlocking my Cards is not appreciated

I have several credit cards as I'm sure you're aware & Sll of the others allow me to Lock & Keep Locked any time I choose Except for this Mastercard. When I lock a card it's for a Reason and I really don't appreciate having one Unlocked by the bank OR issuer even if I do receive a notification that it's going to be done!
Leslie B
Harrisonville, MO
Cardholder since 2017
Nicholas C
Leavenworth, KS
Cardholder since 2014


Use of Commerce Bank Credit Cardholder Ratings & Reviews: The credit card ratings and card-specific reviews displayed on were submitted by verified Commerce Bancshares, Inc. (Commerce Bank) credit-card holding customers who voluntarily completed a customer satisfaction survey. The numerical/visual star ratings and corresponding feedback should not be considered or interpreted as the opinions and viewpoints of all Commerce Bank clients and are utilized for information-only and product-enhancement purposes. Ratings and reviews are specific to the credit-card product type displayed. Commerce Bank does not endorse or guarantee review submissions and assumes no liability for actions or decisions based solely on, or a combination of, utilizing these customer ratings and reviews as a definitive point of reference when deciding to apply for a Commerce Bank credit card. Product offerings, benefits and promotional offers may change over time and some submissions might not reflect the most-current offerings.

Prior to publishing all ratings, reviews and recommendations online at, comments and reviews were filtered for profanity; spelling errors are subject to correction. These surveys were sent in August and September 2019 using a 10-point scale, which has been converted to a 5-star scale, where 10-9 points = 5 stars; 8-7 points = 4 stars; 6-5 points = 3 stars; 4-3 points = 2 stars and 1-2 points = 1 star. Overall visual-star ratings adjacent to each credit card are an aggregated average of all ratings received.