Commerce Bank World Elite Mastercard®
Commerce Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Commerce Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Commerce Bank World Elite Mastercard® from Commerce Bank earns up to 3% effective value on dining in Madeen's catalog snapshot. Its annual fee is $95.
- Top category
- Dining
- Effective value
- 3%
- Annual fee
- $95
Best for dining-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 3% back.
What does the Commerce Bank World Elite Mastercard earn in each category?
Dining is the strongest category at 3% effective value (3% back). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Commerce Bank World Elite Mastercard compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight coffee at 3x among the.
Dining is the strongest category at 3% effective value (3% back). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Commerce Bank World Elite Mastercard compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3% back | 3% Top category |
| Grocery Supermarkets and grocery stores | 1.5% back | 1.5% |
| Gas Gas stations and fuel | 1.5% back | 1.5% |
| Travel Flights, hotels, transit | 1.5% back | 1.5% |
| Other General everyday spend | 1.5% back | 1.5% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Commerce Bank World Elite Mastercard?
The Commerce Bank World Elite Mastercard fits spenders who put meaningful volume in dining and can earn 3% back. Best for spenders who put meaningful volume in dining and can earn 3% back.
Commerce Bank World Elite Mastercard fits spenders who put meaningful volume in dining and can earn 3% back. Madeen ranks its dining effective rate higher than about 81% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 3% back.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 3% effective (3% back).
- That dining rate ranks higher than about 81% of cards we track in the category.
- No foreign transaction fee listed.
Cons
- $95 annual fee requires enough spend in bonus categories to offset.
Does the Commerce Bank World Elite Mastercard have an annual fee?
The Commerce Bank World Elite Mastercard has an annual fee of $95 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $95
- Foreign transaction fee
- None
Related encyclopedia topics
Common questions about the Commerce Bank World Elite Mastercard
Where do cardholders spend most with the Commerce Bank World Elite Mastercard?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on coffee (3x), fast food (3x), other food and drink (3x) for the Commerce Bank World Elite Mastercard. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the Commerce Bank World Elite Mastercard have an annual fee?
The Commerce Bank World Elite Mastercard carries an annual fee of $95 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Commerce Bank World Elite Mastercard?
Dining is the strongest Madeen category for the Commerce Bank World Elite Mastercard at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Commerce Bank World Elite Mastercard charge foreign transaction fees?
The Commerce Bank World Elite Mastercard does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
Is the Commerce Bank World Elite Mastercard annual fee worth it?
Whether the $95 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
What credit score do you need for the Commerce Bank World Elite Mastercard?
Madeen's catalog lists a typical credit range of Excellent for the Commerce Bank World Elite Mastercard. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the Commerce Bank World Elite Mastercard compare to similar cards?
Compare the Commerce Bank World Elite Mastercard against Special Connections (3% on Dining, $0 fee); Georgia Tech Rewards Mastercard (2% on Dining, $0 fee); Special Connections Premium (1.5% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Commerce Bank World Elite Mastercard This card | Dining | 3% | $95 |
Commerce Bank | Dining | 3% | $0 |
Commerce Bank | Dining | 2% | $0 |
Commerce Bank | Dining | 1.5% | $0 |
Commerce Bank | Dining | 1.5% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
Related Madeen guides
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See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Commerce Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Commerce Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure