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5 Things to Know About the Kansas City Royals Mastercard

Aug. 23, 2019
Balance Transfer Credit Cards, Cash Back Credit Cards, Credit Cards, Rewards Credit Cards
5 Things to Know About the Kansas City Royals Mastercard
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Die-hard Kansas City Royals fans can show their love for the team not just with their wardrobes, but also their wallets, thanks to the KC Royals™ Mastercard®.

If you already spend the bulk of your entertainment budget on attending games every summer, this $0-annual-fee card offers discounts and access to exclusive cardholder events that could be worth your while.

Plus, it has a snazzy design that will let everyone know you’re loyal to the Royals whenever you swipe your card.

But is this a card a home run for everyday spending, or do the benefits stop with baseball? Well, the KC Royals™ Mastercard® does offer flexibility in how you can earn rewards and what you can redeem them for. Combined with its other benefits, it could be a good catch.

1. Interesting reward categories

When you use the KC Royals™ Mastercard®, you’ll earn:

  • 3% cash back at coffee shops, fast food establishments and on ride-sharing services.
  • 2% cash back at gas stations and eligible restaurants.
  • 1% cash back on all other purchases.

The card’s 3% categories are highly specific, which is somewhat unusual for a tiered rewards card. But they could be potentially lucrative on your commute to Kauffman Stadium — or if you stop by an out-of-stadium McDonald’s on the way to the game (so much cheaper than eating at a ballpark).

Cash back comes to you in the form of a statement credit. There’s no limit on how many rewards points you can earn, but your points expire after three years.

You can also gift rewards points to other Commerce Bank customers who are members of qualified rewards programs, or combine your point earnings from multiple Commerce Bank accounts. Points you acquire this way will expire in one year.

2. Redemptions aren’t just for Royals tickets and merch

You’d think a baseball-team-branded card might let you redeem points only for peanuts and Cracker Jack, but there are actually several options for cashing in your rewards.

The most basic is cash back. You must redeem a minimum of 2,500 points for a statement credit.

You can book flights through the Commerce Bank Rewards Service Center using a minimum of 10,000 points. You can choose any airline, destination, travel date, or seat, provided there is availability. Terms apply.

You can also redeem points for gift cards for participating retailers, as well as for Kansas City Royals merchandise.

3. Cardholders can get special access and other perks

With the KC Royals™ Mastercard®, you can take part in exclusive Kansas City Royals events, but space is limited and these events require you to redeem quite a few points. The least pricey during the 2019 season included a cardholder appreciation event and access to the Dugout Suite for a home game.

For both of these events, you could redeem rewards in exchange for two suite tickets and complimentary food and nonalcoholic drinks. However, you had to have been available during the specific games when the events took place, and space was limited (there are only 13 Dugout Suite packages available, for one night only, during the 2019 season). These experiences cost 15,000 to 20,000 points.

More flexible (and costly in terms of points) was the Diamond Club package, where 30,000 points could get you comfy seats and access to the Diamond Club bar and concessions. And for 70,000 points, superfans could throw the ceremonial first pitch.

For us mere mortals who are content to sweat it out in the cheap seats, cardholders get discounted ticket prices. Don’t forget your sunscreen.

4. The introductory APR is generous …

The KC Royals™ Mastercard® offers 0% for 12 months on purchases and balance transfers, and then the ongoing APR of 17.49% - 27.49% Variable APR, which is a nice, long time frame. Even better, the annual fee is $0. It’s great for treating yourself to season tickets and then taking a year to pay them off, interest-free.

If you’re in the market for a general rewards card with an even longer introductory 0% APR, an alternative could be the Capital One® Quicksilver® Cash Rewards Credit Card:

  • 0% on Purchases and Balance Transfers for 15 months, and then the ongoing APR of 16.24% - 26.24% Variable APR.
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening.
  • A $0 annual fee.
  • No foreign transaction fee.

5. … but this isn’t the best card for balance transfers

You’d get to enjoy a year of intro 0% APR for a balance transfer, but for a price: The 5% balance transfer fee is on the steep side. Plus, if your main goal in getting a credit card is transferring a balance, other balance transfer credit cards provide longer 0% APR periods.

The aforementioned Capital One® Quicksilver® Cash Rewards Credit Card, for example, charges a 3% balance transfer fee. Another possibility is the Discover it® Balance Transfer, which offers 0% on Purchases for 6 months and 0% on Balance Transfers for 18 months, and then the ongoing APR of 13.99% - 24.99% Variable APR. It has a 3% intro balance transfer fee and up to a 5% fee on future balance transfers (see terms.) Plus, Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.

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