AOPA World Mastercard for Pilots: Should You Apply for the AOPA World Mastercard?

The AOPA World Mastercard from Commerce Bank offers pilots exclusive rewards and benefits for aviation purchases and everyday spending.

AOPA World Mastercard for Pilots

If you’re a pilot, this card can help you earn cash back on the ground and in the air.

As an AOPA member, you can earn:

  • 4% cash back on AOPA purchases like membership, training, events, and pilot gear
  • 3% cash back with select AOPA partners like Sporty’s Pilot Shop
  • 2% cash back at FBOs, on aviation fuel, and at flight schools
  • 1% cash back on all other eligible purchases

There’s a 2,500 point quarterly cap on bonus categories, after which you earn 1% back. Points can be redeemed for cash back, gift cards, merchandise, travel, and more.

Card Benefits

Besides cash back, you get valuable World Mastercard benefits:

  • Travel perks like Mastercard Airport Concierge
  • Protections like zero liability fraud coverage
  • Entertainment offers through Priceless Experiences

The card also provides a 1.99% intro APR on purchases and balance transfers for 6 billing cycles. Afterward, a variable 15.49%-25.49% APR applies. There’s no annual fee.

Rates and Fees

The AOPA World Mastercard offers:

  • No Annual Fee – No annual fee for card membership.
  • Regular APR – 15.49% to 25.49% variable APR on purchases based on your creditworthiness and the Prime Rate.
  • Balance Transfer APR – Balance transfers also have a 15.49% to 25.49% variable APR tied to your credit and Prime Rate.
  • Cash Advance APR – Cash advances have a higher 30.49% variable APR.
  • Intro APR – 1.99% APR on new purchases and balance transfers for the first 6 billing cycles.

The competitive variable APR, no annual fee, and intro rate help keep costs low on the AOPA World Mastercard. Check your approved rates based on your credit profile.

Who is This Card Ideal For? 

The AOPA World Mastercard is designed for active pilots. If you frequently purchase aviation services, fuel, and gear, you can maximize the rewards. The card is less rewarding for non-pilots.


For non-pilots who want cash back, the Wells Fargo Active Cash Card offers 2% back on all purchases with no limit. The Citi Double Cash Card provides 2% back – 1% when you buy and 1% when you pay. Both have no annual fee.

If you want 0% intro APR, the Citi Simplicity Card offers 0% for 18 months on purchases and balance transfers, then 14.74% – 24.74% variable APR.

The AOPA World Mastercard best suits AOPA member pilots who can maximize aviation-related rewards. But plenty of other cash back cards are better for non-pilots.

How to Apply

Ready to take off with the AOPA World Mastercard? Applying is easy:

  • Go to the AOPA World Mastercard website and click “Apply Now.” This takes you to the Commerce Bank application.
  • Provide personal information like your name, address, date of birth, and Social Security number.
  • Enter your income, housing details, and employment information for eligibility verification.
  • Review the terms and conditions before submitting your application.
  • If approved, you should receive your new AOPA World Mastercard within 7-10 business days.

Once approved, activate your card and set up online account access to manage your new card.

Tips to Login to Your Account

You can conveniently manage your AOPA World Mastercard account online:

  • On the Commerce Bank website, click “Credit Cards” then “Account Login.”
  • If it’s your first time, click “Activate Card” and provide your card details. Follow the prompts.
  • After activation, return to the login page and enter your username and password.
  • If you forget your credentials, use the recovery options to regain access.
  • Once logged in, view your balance, transaction history, make payments, set up autopay, and more!

Making Payments

Be sure to pay your bill on time each month to avoid interest and fees:

  • Pay online via your account login. Select “Make a Payment” and enter the amount.
  • Set up autopay to have payments made automatically each billing cycle.
  • Call the number on the back of your card to pay by phone.
  • Mail a check or money order to the payment address listed on your statement.
  • Go paperless by opting into e-statements to get statements electronically.
  • Always pay at least the minimum amount due by the payment due date.

Responsible payment habits help maintain good credit.

Should You Apply for the AOPA World Mastercard?

The AOPA World Mastercard is ideal for AOPA member pilots who can maximize the aviation-related rewards. Earning cash back on purchases like fuel, training, gear, and membership fees can add up quickly with frequent flying. The unlimited 1% cash back on other purchases is also a nice perk.

However, the card provides little value to non-pilots. The bonuses on aviation purchases would go unclaimed, leaving only 1% cash back on non-bonus spending. For the average consumer, a flat-rate cash back card like the Citi Double Cash or Wells Fargo Active Cash is likely a better option.

The 1.99% intro APR is also not the strongest compared to cards with 0% intro APRs for up to 18 months. But it can still help AOPA pilots finance large purchases or transfers interest-free at first.

In all, the AOPA World Mastercard is best suited for pilots who are active AOPA members. They can take full advantage of the tailored rewards. For other consumers, alternative cash back cards are likely better options without all the flight-related bonuses.

Check Out:


Please enter your comment!
Please enter your name here