World Elite Mastercard® from Commerce Bank Review

All benefits

• Cash back
  • 3% On dining and at coffee shops.
  • 1.5% On all purchases.
• Travel
  • World Elite® Concierge:
  • Mastercard Concierge provides comprehensive travel and lifestyle benefits with constant support every day of the year.
  • LoungeKey Access:
  • Unwind, stretch out and experience the comforts of Lounge Key access before your next flight — including membership to 1,000+ airport lounges worldwide; complimentary Wi-Fi, soft drinks and preflight snacks in most lounges; and showers, beds or spa facilities in select lounges.
  • TSA Pre✔® Statement Credit:
  • Bypass the hassle of airport security when traveling domestically and enjoy expedited security screening at select U.S. airports. Receive an $85 statement credit when you use your World Elite Mastercard® to apply for TSA Pre✔®.
  • Mastercard® Travel and Lifestyle Services:
  • Experience a suite of benefits, amenities valued at up to $100, exclusive upgrades, preferential treatment and premium travel company offers across air, tours, cruises, car rentals and more.

Rate and fee information

• Purchase Intro APR
  • 0% Introductory APR for 12 monthly billing cycles after account opening
• Purchase APR
  • 17.49% Variable
• Intro Balance Transfer APR
  • 0% Introductory APR for 12 monthly billing cycles after account opening
• Balance Transfers APR
  • 17.49% Variable
• APR for Cash Advances
  • 30.49% Variable
• How to Avoid Paying Interest
  • Your due date is at least 25 days after the close of each billing cycle. You will not be charged any interest on Purchases if you pay the entire balance by the due date each month. You will be charged interest on Cash Advances and Balance Transfers on the transaction date.

Fees

Pros & Cons

Features

• 0% Intro APR
• No foreign transaction fees
• Cashback
• Fraud Protection
• Rewards
• 24/7 Travel Assistant
• Airport Lounge Access
• Good Credit
• Excellent Credit