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World Elite Mastercard

Dining & Travel Credit Card

World Elite

Reward your everyday adventures with 1.5% Cash Back1, applied as a statement credit, on everything — plus, 3% Cash Back1 at coffee shops, restaurants or when you order your favorite take-out dish2 — with the Commerce Bank World Elite Mastercard® credit card. Access always-on, premium credit card benefits, from shopping and travel to everyday conveniences, to enhance your everyday lifestyle and travel experiences. Head to a Commerce Bank branch near you to apply.

Earn more on your day-to-day and then some.

Catered to enhance your everyday lifestyle and frequent travel adventures, the Commerce Bank World Elite Mastercard® will be your go-to credit card.

Apply in branch  $95 annual fee

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Enjoy 0% intro APR3 for 12 months from account opening on all purchases and balance transfers with the World Elite Mastercard® credit card. Then, enjoy your everyday low APR of 17.49%.

And when traveling abroad, keep more money in your pocket with no foreign transaction fees.



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Upgrade Your Life, Pay at Your Pace!

Use your World Elite Mastercard for your next purchase with payment flexibility.

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World Elite Cell Phone Protection

Receive premier cell-phone coverage, even including a cracked screen, up to $1,000 annually — when you pay your cell phone bill with your World Elite Mastercard®.


  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. Visit for full rewards program details.

  2. 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.

  3. 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.

  4. TSA PreCheck mark® is a U.S. Government program, operated by the U.S. Transportation Security Administration (TSA) program that allows low-risk travelers to experience faster, more efficient screening at participating U.S. airport checkpoints for domestic travel and international travel. Commerce Bank has no control over the program including, but not limited to, application, approval process or enrollment, fees charged by TSA, and no liability with regards to the TSA PreCheck mark® program. For complete details on the TSA PreCheck mark® program, including full terms and conditions, please go to

    $85 statement credit will be processed after the TSA PreCheck mark® program application fee or renewal TSA PreCheck mark® program application fee is charged to an  eligible card. Holders of eligible cards are entitled to one (1) $85 statement credit per eligible World Elite Mastercard® account number every four (4) years in connection with the TSA PreCheck mark® program application fee. Please allow 6-8 weeks after the TSA Pre Check mark® program application fee is charged to an eligible World Elite Mastercard® for a statement credit to be posted to your account. Cardholders are responsible for payment of all charges until the statement credit posts to the account. Commerce Bank reserves the right to modify or cancel this offer at any time and without notice.

  5. See your Guide to Benefits or visit for more information.

  6. 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.

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

  8. Take 3, Get $5: Offer valid through March 31, 2024 or while supplies last. Lyft users can participate in Lyft and Mastercard’s® Take 3, Get $5 program (“Program”) by taking and partially or fully paying for three (3) Eligible Rides in a calendar month to receive a $5 Lyft credit (“Credit”). The rides must be paid for with an eligible World or World Elite Mastercard® credit card (Apple Card® is not eligible for this program, but Apple Pay® or Google Pay™ may be eligible if your World or World Elite Mastercard® credit card is the funding source). Limit one Credit per calendar month per Lyft account. An “Eligible Ride” is any Lyft ride type, excluding business rides and bicycle and scooter rental rides. Valid only in the USA. Whether a ride qualifies as an Eligible Ride for purposes of the Credit will be determined in Lyft’s sole discretion. Credits expire 30 days after application. Limited time only and while supplies last. By participating in the Program, you agree to these terms and Lyft’s Terms of Service (, and you agree that Lyft and Mastercard® may share your information for the purposes of tracking and processing the Credit and may use anonymized, aggregated data for business analytics and offer optimization. Credits may take up to 2 days to be applied to your Lyft account.

  9. Valid for Commerce Bank World Elite Mastercard® credit cardholders.

  10. Certain terms, conditions, and exclusions apply. See your Guide to Benefits or visit for more information.

  11. DoorDash: Provides two opportunities to save with DoorDash. World and World Elite Mastercard cardholders who are new to DashPass, DoorDash’s membership program, will get a free 3-month membership (the “Mastercard DashPass Free Trial”). Additionally, cardholders who are under the MasterCard DashPass Free Trial or who convert to a paid DashPass membership after their MasterCard DashPass Free Trial ends will automatically get a $5 discount on their first order each month when paying with a World or World Elite Mastercard. DashPass provides members with unlimited, no delivery fees and reduced service fees on eligible orders from thousands of restaurants, grocery, convenience stores and more.