The NC State Rewards MasterCard®

Show your Wolfpack pride everywhere you go with the NC State Rewards MasterCard!

Receive Wolfpack benefits like:

  • No Annual Fee
  • Earn Unlimited 1% Cash Back1
    Cash Back redemption is applied as a statement credit
  • Earn 2% & 3% Cash Back1
    For purchases in select categories2

Pricing Terms

Additional Benefits & Features

  • Zero Liability Coverage3
  • Emergency Card Replacement and Emergency Cash Disbursement


  1. 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. 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.
  3. 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.
  4. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
  • NC State Alumni Association and Commerce Bank reserve the right to make changes to the VIP cardholder benefits at any time, with or without prior notice. Commerce Bank is not responsible for fulfillment of the VIP benefits, or failure to provide the stated benefits and services.
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