World Elite Mastercard® Guide to Cardholder Benefits
World Elite Travel Benefits
Access a suite of travel services and benefits.
Get the most from all your travels, whether short getaways or trips of a lifetime.
Your Commerce Bank World Elite Mastercard gives you access to a suite of complimentary travel services and benefits, including airport lounge membership, concierge service, and more!
NO FOREIGN TRANSACTION FEES
Use your Commerce Bank World Elite Mastercard to make purchases while traveling internationally without incurring foreign transaction fees.
SAFE AND EASY TRAVEL
Your chip-enabled Commerce Bank World Elite Mastercard is accepted at more international locations and provides enhanced security when you travel abroad. Learn More [PDF]
MASTERCARD TRAVEL SERVICESTM
Enjoy amenities and upgrades, VIP Status and premium travel offers from best-in-class travel companies with Mastercard Travel Services™. World-class travel advisors address your specific interests to craft and deliver unique travel experiences.
World Elite Shopping Benefits
Complimentary benefits that protect you and your purchases.
Shop in bliss with our complimentary benefits that protect you and your purchases.
As a Commerce Bank World Elite Mastercard cardholder, you can enjoy your shopping experience knowing that safeguards are in place to protect you and your purchases.
Doubles the original manufacturer’s or store brand warranty for up to one year when you pay with your Commerce Bank World Elite Mastercard.
Provides coverage for most items you purchase with your Commerce Bank World Elite Mastercard if the item is damaged or stolen within 90 days of the date of purchase.
If you become dissatisfied with a product you purchase using your Commerce Bank World Elite Mastercard within 60 days of purchase, and the store will not accept a return, you may be eligible for a refund for the cost of the product up to $250.
Pay only for purchases which you have authorized on your Commerce Bank World Elite Mastercard. Unauthorized purchases are not your responsibility. You must notify Commerce Bank within 60 days of receiving statement with unauthorized account activity.
IDENTITY THEFT RESOLUTION SERVICES**
Assists you with credit bureau notification and credit card replacement, and provides you with an ID Theft Affidavit should you become the victim of Identity Theft.
World Elite Rewards
A world of rewards designed for you.
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.
- 1.5% CASH BACK1 for every dollar in Net Merchandise Purchases.
- 3% CASH BACK1 for every dollar in Net Merchandise Purchases made at travel and restaurant retailers2. Travel and restaurant retailers range from airlines and hotels to fast food and fine dining.
- Receive a 5% ANNUAL POINT DIVIDEND3 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 Back1, a gift card for your next shopping spree, or an airline ticket for your upcoming vacation.
- Redeem reward points for CASH BACK1, GIFT CARDS, MERCHANDISE and more.
1A 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.
2Merchants 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.
3A 5% annual point dividend will be awarded each calendar year (January 1 through December 31) when you make $50,000.00, or more, in Net Merchandise Purchases. The amount of the dividend will equal 5% of your total Net Merchandise Purchases made during the calendar year. The Annual Point Dividend will be awarded within approximately 14 business days of the end of each calendar year.
World Elite Additional Benefits
Receive even more enhancements.
Receive even more enhancements with our distinctive features.
Your Commerce Bank World Elite Mastercard® offers a variety of features to help enhance your everyday experiences, from making purchases to managing your account.
NO PRE-SET SPENDING LIMIT
Enjoy the maximum spending flexibility and purchasing power that is associated with having a no pre-set spending limit.
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.
ACCESS TOOLS TO MANAGE YOUR ACCOUNT
Online Banking is your gateway to a variety of tools to manage your account, including:
- AutoPay: AutoPay allows you to automate the monthly payment to your Commerce Bank credit card account from your checking or savings account at any financial institution.
- Special ConnectionsSM: The Special ConnectionsSM feature allows you to conveniently access your other Commerce Bank accounts at the ATM, or to make PIN-based debit transactions in stores, using your Commerce Bank credit card as an access device.
Enroll in Online Banking (link OLB enrollment page)
Your Commerce Bank checking account can be automatically protected in the event of an overdraft. To sign up for this benefit, call Commerce Bank’s Customer Service at 1-877-787-3171. Some fees may apply.
Receive an itemized summary of the year’s purchases to assist with your record-keeping and tax returns.
Access a high level of personal service.
As a Commerce Bank World Elite Mastercard cardholder, you have access to our dedicated customer service team:
- DEDICATED CUSTOMER SERVICE LINE: 1-877-787-3171 or 1-314-514-6299 (from outside the U.S.)
- COMMERCE BANK CONCIERGE: 1-888-531-1844
TERMS & CONDITIONS
Learn more about your World Elite benefit’s terms and conditions.