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AOPA World Mastercard®

Earn up to 4% Cash Back rewards
in all your favorite aviation categories.

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Cash Back1

Select AOPA Purchases2-5

  • Membership
  • Pilot Protection Services
  • Pilot Gear Store Purchase
  • Event Registration
  • Flight Instructor Refresher Clinics
  • 3%

    Cash Back1

    Select AOPA Partners3-5

  • 2%

    Cash Back1

    FBOs, Aviation & Auto Fuel, Ridesharing & Taxis4-5

  • 1%

    Cash Back1

    All Other Purchases5

3% Cash Back1 at Select AOPA partners3, including:

A Cash Back1 redemption is applied as a statement credit. Quarterly bonus point cap of 2,000 points5

Rewards for you

The AOPA Credit Card provides:

  • Up to 4% Cash Back1 in all your favorite aviation categories
  • World Mastercard® Luxury Travel Benefits - such as Mastercard Travel Services, Exclusive Golf Privileges, Mastercard Concierge Service and more!6
  • Mastercard® Identity Theft Protection™6
  • Zero Liability Coverage7
  • Low Introductory APR*
  • No Annual Fee*
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Support for GA

The AOPA Credit Card provides:

Revenue from AOPA Products & Services goes right back to supporting, growing and protecting general aviation.

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  1. Rewards points can be redeemed for Cash Back or other redemption items provided through AOPA Pilot Rewards. A Cash Back redemption is applied as a statement credit. The statement credit will reduce your balance but you are still required to make at least your minimum payment. A minimum of 2,500 points is needed to redeem for Cash Back. Values for non-cash back redemption items such as merchandise, gift cards, and travel may vary.
  2. Advertising, Aviation Insurance, PAC Donations and AFI Donations are excluded. Visit for complete details on exclusions and bonus point categories.
  3. Participating AOPA partners include: Aero-Space Reports, Aircraft Spruce & Specialty Co., Jeppesen®, Pilot Workshops, SiriusXM®, Sporty’s® Pilot Shop. The listed AOPA partners are in no way affiliated with Commerce Bank, nor are the listed merchants to be considered sponsors or co-sponsors of this program. Use of merchant names and/or logos is by the permission of each respective merchant and all trademarks are the property of their respective owners
  4. Please note that merchants self-select the category in which transactions will be listed and some merchants may be owned by other companies, therefore transactions may not be counted in the category you might expect. Purchases made using Near Field Communication (NFC), virtual wallets, or similar technology may not be eligible for bonus points.
  5. You will earn 4 pts (1 regular pt + 3 bonus pts equaling 4%), for Net Merchandise Purchases on select AOPA purchases, 3 pts (1 regular pt + 2 bonus pts equaling 3%) for Net Merchandise Purchases at select AOPA partners, and 2 pts (1 regular pt + 1 bonus pt equaling 2%), for Net Merchandise Purchases at Fixed Base Operators, fuel, ridesharing and taxis. You will earn 1 pt for each dollar spent (or 1%), on all other Net Merchandise Purchases. A maximum of 2,000 bonus points will be rewarded per quarter, per rewards account. Points expire three (3) years from the calendar quarter after posting to account.
  6. Certain terms, conditions, limitations, and exclusions apply. See your guide to benefits for details.
  7. Customer must notify Commerce Bank within 60 days of receiving the first statement with unauthorized activity. For specific restrictions, limitations and other details, please consult Commerce Bank.
  8. To view or print a PDF file, Adobe® Reader® 9.5 or above is recommended. Download the latest version.

Select AOPA purchases include: AOPA Membership, Pilot Protection Services, AOPA Flight Instructor Refresher Clinics (in-person and online), AOPA Event Registration, AOPA Pilot Gear store purchases.