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KC Royals™ Mastercard® review

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A no-annual-fee cashback card with special perks for Royals fans.

  • Get this card if you’re a hardcore Royals fan.
  • Pick something else if you want to earn more cash back on select categories.
  • Apply with a good to an excellent credit score of 670 or higher.

Up to 3%

Cash back

$0

Annual fee

0%

Intro purchase APR

for the first 12 monthly billing cycles (then 15.24% to 25.24% variable)

0%

Intro balance transfer

for the first 12 monthly billing cycles (then 15.24% to 25.24% variable)

Details

Product NameKC Royals™ Mastercard®
Card typeMastercard
Annual fee$0
Purchase APR0% intro for the first 12 monthly billing cycles (then 15.24% to 25.24% variable)
Balance transfer APR0% intro for the first 12 monthly billing cycles (then 15.24% to 25.24% variable)
Balance transfer fee$10 or 5% of the transaction, whichever is greater
Cash advance rate25.24% variable
Cash advance fee$5 or 10% of the cash advance amount, whichever is greater
Penalty APR27.24% variable
Foreign transaction fee2% of the transaction value
Interest free periodUp to 25 days
Late payment feeUp to $40

Expert review

Kliment Dukovski

Review by


Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

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.

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:

  1. Visit the Commerce Bank website and locate the KC Royals™ Mastercard® card.
  2. Click Apply now.
  3. Fill out the application form and provide your personal information, annual income, employment information and housing payments.
  4. Choose whether you want to add an authorized user or make a balance transfer.
  5. 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.

Card benefits

  • 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 .
  • 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 27.24% variable, which will apply until you make the minimum payment for six consecutive months. Also, you will lose your intro APR period.

Compare cash back credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Blue Cash Preferred® Card from American Express
$300 after spending $3,000 in the first 6 months (Offer expires 12/10/2020)
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Rates & fees
Blue Cash Everyday® Card from American Express
20% at Amazon.com up to $200 back in the first 6 months, plus $100 after spending $1,000 in the same timeframe
20% at Amazon.com up to $200 back in the first 6 months, 2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
$0
This everyday cashback card is ideal for Black Friday and holiday shopping with 20% back at Amazon.com up to $200 back in the first 6 months. Rates & fees
Chase Freedom Flex℠
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Citi® Double Cash Card
N/A
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
$0
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
Chase Freedom Unlimited®
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
$0
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
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Bottom line

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.

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