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World Elite MasterCard - A World of Possibilities Await
Guide To Benefits


Enjoy a world of rewards designed for you

As a Commerce Bank World Elite MasterCard® cardholder, you can enjoy a rich rewards program that was designed to complement your lifestyle.

Use Your Card, Earn Points:

Use your Commerce Bank World Elite MasterCard and earn points while making everyday purchases, enjoying a dinner out, or taking the trip of a lifetime.

  • Earn 1 POINT for every dollar in Net Merchandise Purchases.
  • Earn 2 POINTS for every dollar in Net Merchandise Purchases made at travel and restaurant retailers*.
    Travel and restaurant retailers range from airlines and hotels to fast food and fine dining.

    * 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.

  • Earn 3 POINTS for every dollar in interest you accrue on your monthly balance.
  • Receive a 5% ANNUAL POINT DIVIDEND when you make $50,000, or more, in Net Merchandise Purchases.
  • Receive unlimited POINT EARNING! No cap exists on the points you can earn.

Redeem Your Points for Rewards:

Redeem your points for the rewards of your choice, whether it is cash back, a gift card for your next shopping spree, or an airline ticket for your upcoming vacation.

  • Redeem reward points at the website for MERCHANDISE, GIFT CARDS, TRAVEL, CASH BACK and more. A cash back redemption is applied to your account as a statement credit.1

Learn more about your rewards.


Access a high level of personal service

As a Commerce Bank World Elite MasterCard® cardholder, you have access to our dedicated Customer Service team.


1-877-787-3171 or 1-314-514-6299 (from outside the U.S.)




  1. The statement credit will reduce your balance, but you are still required to make at least your minimum payment.
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