Stephen F. Austin Alumni MasterCard Features | Login Online | Apply Now

Stephen F. Austin Alumni MasterCard

Stephen F. Austin Alumni MasterCard is issued by Commerce Bank. It offers rewards to cardholders with each purchase. Users will have an unlimited 1% cash back with every $ 1 spent, with special 2% cash back options for purchases in selected categories. The cash back can be used for plane tickets, gift cards, goods or as a loan in the bank statements. Cardholders receive an initial annual interest rate (purchases and balance transfers) of 1.99%, which is offered in the first 6 payment cycles.

Features of Stephen F. Austin Alumni MasterCard

Cardholders receive 1% cash back for every dollar spent, 1.99% introductory APR for first 6 billing cycles

Annual Fee is $0

The Cash Advance APR is set at 25.49% (APR is subject to change)

Cash Advance Fee is $10 or 5% of the amount, whichever is greater

Late Payment Fee is Up to $37

Purchases APR is set at 12.49% to 18.49%, based on creditworthiness (APR is subject to change)


To be eligible to receive this card, make sure you are in the following categories:

  • You must be over 18 years of age.
  • Have a valid social security number
  • Applicants must have a valid US address

How to Apply for Stephen F. Austin Alumni MasterCard

Step 1: Go to the Stephen F. Austin Alumni MasterCard website, find the Apply now button at the top of the page and click on it to start the application process.

Step 2: The first part of the application form asks you to read the terms. After reading the document and accepting the terms established in it, click  Accept to go to the application form on the following pages

Step 3: The first part of the application form requires the following personal information: first name, Complete physical address, Phone number, Email address, Time for your current address, Birthdate, Social Security number, mother’s name

Step 4 – Give your current position, employer, time to work with the employer, business phone and total annual income.

Step 5: For more information about your housing situation, Commerce Bank asks if you are renting or if you have your current home and how much you pay per month.

Step 6:  Provide the name of the closest relative who does not live with you and your relationship with you.

Step 7: The last step requires a response if you filed for bankruptcy in the last 10 years and you are a permanent resident of the United States. Select your answers and then click Next if you are satisfied with all the information entered.

Once all the steps have been completed, your request will be sent to Commerce Bank for verification.


To access your online banking account, on the left side of the screen, there is a login field for online banking.

Enter your customer ID in the empty field and click Login.

Enter your password.

Commerce Bank allows users to choose the page to which they will be redirected after logging in.

You can choose your option from the drop-down menu and it will be your default page every time you log in until you change it again.

After choosing the desired default page, enter the password and click  Login. Assuming that the ID and password were entered correctly, you should check the home page of your online bank account.

Activate the card

Before you start spending money, you must first activate the card. Call the number 1 (800) 645-2103 to activate your credit card with the help of a Commerce Bank customer service representative.

After completing this task, you must register a bank account online. Click Secure Registration link to start the registration process. The first page you request, read the terms of the contract and click OK if you agree with them.

On the next page, select the type of account you want to use for online banking then click Continue.

The rest of the account settings will create the customer ID and password that will be used from here to log in to your account.


Telephone: 1 (800) 645-2103


Mail Address: Commerce Bank // 922 Walnut Street // Kansas City, MO // 64106