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Commerce Bank World Elite Mastercard® review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
12.99% (Variable) (0% for the first 12 months)
Interest Rate: Purchases
12.99% (Variable) (0% for the first 12 months)
Balance Transfer
12.99% (Variable) (0% for the first 12 months)
Balance Transfer
12.99% (Variable) (0% for the first 12 months)
1.5 - 3% cashback
1.5 - 3% cashback
Signup Bonus
Signup Bonus

Informr score
The Commerce Bank World Elite Mastercard® currently has an Informr score of 9 out of 10. This score is based on our evaluation of 1 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Commerce Bank World Elite Mastercard® is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


The Commerce Bank World Elite MasterCard has quite a bit to offer. If you like a card that gives you freedom in earning cash back that can be redeemed for just about anything, then you may want to consider this card.

- Jeff Gitlen, LendEDU


Interest Rates
Regular APR Interest Rate 12.99% (Variable) (0% for the first 12 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 12.99% (Variable) (0% for the first 12 months)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 25.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $95.00
Balance Transfer Fee 5%

Minimum of $10

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $39.00


Sign up bonus No
All Purchases 1.5% cash back
Restaurants 3% cash back

Including purchases made at coffee shops

Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details

Received a 5% annual point dividend when you make $50,000, or more, in Net Merchandise Purchases.

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service Yes
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments No
Virtual Cards No
Additional Benefits
  • Receive an $85 credit fro TSA PreCheck mark®
  • $5 off every $25+ with Postmates
  • Earn a $10 Lyft credit for every 5 rides taken/month when you pay with your World Elite Mastercard®
  • Get free two-day shipping and free returns with a complimentary Shoprunner membership
  • Earn double points and gain credits for movie tickets and streaming with free access to FandangoNOW
  • Enjoy a free membership to Boxed, an online wholesale destination, and get 5% back on future Boxed orders
  • LoungeKey Access
  • Cell Phone Protection
  • Save 10% on travel bookings, at more than 10,000 high-end rental properties around the world
  • ID Theft Enhancements
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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