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Kliment Dukovski is a writer for finder.com, working on credit cards, money transfers, home loans and more. He aims to deliver honest and accurate information to help you make the right financial decisions. Before joining Finder, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies. When he's not writing about finance-related subjects, he writes sci-fi.
If you’re a Royals fan who wants cash back on purchases without paying an annual fee, this could be the right card for you. In addition to earning rewards, you get to earn four ticket vouchers for a 2019 Royals regular-season home game. You also get to enjoy game-day events and experiences and discounted tickets.
The card also comes with a long intro APR period on balance transfers and purchases. That said, large transfers can be expensive since the balance transfer fee is $10 or 5% of the transaction, whichever is greater.
Cash back. Earn 3% back on coffee shops, fast food and rideshares, 2% back on gas and restaurants, and 1% back on all other purchases.
Signup bonus. Earn four ticket vouchers for a 2019 Royals regular-season home game after you spend $100 on merchandise purchases within your first 30 days of card membership. This offer is valid while supplies last.
Intro APR period. Use your first 12 monthly billing cycles when you open your account to make balance transfers and purchases with 0% intro APR. After that, your rate reverts to variable 19.49%.
Game perks. Buy discounted tickets and enjoy game-day experiences and events.
No annual fee. Use the card and its perks without paying an annual fee for the life of the card.
Did you know: There is a similar MLB cashback card?
With the MLB® Credit Card from Bank of America you can earn:
3% cash back on purchases in a category of your choice, including gas and dining.
2% at grocery stores and wholesale clubs.
1% cash back on all other purchases.
Note: The 3% and 2% cash back applies in combined purchases up to $2,500 each quarter, after which the rate drops to 1% cash back for the remainder of the quarter.
What to watch out for
Foreign transaction fees. If you use your card abroad or at a foreign merchant online, expect to pay 1% fee if the transaction is in US dollars or 2% fee in other currencies.
Penalty APR. Fail to make the minimum payment for 60 days and you’ll incur a penalty APR of 29.46% variable, which will apply until you make the minimum payment for six consecutive months. Also, you will lose your intro APR period.
How to apply for KC Royals™ Mastercard®
To apply for the card, you must be a US resident and at least 21 years old. If you are, here’s how to apply:
Visit the Commerce Bank website and locate the KC Royals™ Mastercard® card.
Click Apply now.
Fill out the application form and provide your personal information, annual income, employment information and housing payments.
Choose whether you want to add an authorized user or make a balance transfer.
Review the application form and submit.
What credit score do I need?
Increase your chances of approval with good to excellent credit score of 670 or higher.
Compare cash back credit cards
If you’re a Royals fan who loves going to games, the KC Royals™ Mastercard® could be a solid option. You get to earn cash back on your purchases, plus you get to enjoy game-day events and experiences and you get ticket discounts.
But if you think there could be a better option for you, compare credit cards until you find the right fit for your wallet.
Frequently asked questions
No. The accelerated cashback rate is unlimited.
Yes, despite being advertised as earning cash back, you actually earn points you can redeem for statement credit, gift cards, travel, Royals merchandise and Royals experiences.
You can redeem:
15,000 points for a cardholder appreciation event
20,000 points for a Dugout Suite individual ticket package
30,000 points for a Diamond Club individual ticket package
70,000 points for a first pitch ticket package
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