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  Mountain View Bank of Commerce MasterCard Business Platinum Payback Credit Card

Mountain View Bank of Commerce MasterCard Business Platinum Payback Credit Card

in Business Credit Cards from Mountain View Bank of Commerce

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Mountain View Bank of Commerce MasterCard Business Platinum Payback Credit Card

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in Business Credit Cards from Mountain View Bank of Commerce

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Highlights
Purchase APR  (Variable APR) 16.74%
Balance Transfer APR  (Variable APR) 16.74%
Credit Score Range 650 - 850
Annual Fee $0

Mountain View Bank of Commerce MasterCard Business Platinum Payback Credit Card Review

Key Takeaways
  • Competitive APRs. Mountain View Bank of Commerce MasterCard Business Platinum Payback Credit Card has a variable purchase APR of 16.74%
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 4% Balance transfer fee. Mountain View Bank of Commerce MasterCard Business Platinum Payback Credit Card charges a fee of 4% on balance transfers. For example, a balance of $1,000 could cost $40 in transfer fees. The minimum fee is $10.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Multiple business credit card benefits. Includes generous credit card perks, such as emergency support, identity theft protection, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Mountain View Bank of Commerce MasterCard Business Platinum Payback Credit Card
The Good The Bad
  • Has an introductory APR rate on balance transfers of 4.99%.
  • No annual fee.
  • Multiple business credit card perks.
  • Identity Theft Protection.
  • Cardholders can earn rewards on purchases everywhere Mountain View Bank of Commerce MasterCard Business Platinum Payback Credit Card is accepted.
  • Mountain View Bank of Commerce MasterCard Business Platinum Payback Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Charges a 4% balance transfer fee.
Mountain View Bank of Commerce MasterCard Business Platinum Payback Credit Card FAQ

Who is Mountain View Bank of Commerce MasterCard Business Platinum Payback Credit Card designed for?

This is a credit card issued by Mountain View Bank of Commerce. 

This business card is designed for small businesses with fair credit. The minimum credit score to apply is 650.

What are the relevant APRs?

This business credit card has a variable purchase APR of 16.74%. The card has a variable balance transfer APR of 16.74% .

It also has a variable cash advance APR of 20.24%. Note that late payments are subject to an APR of 23.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does it have an introductory APR offer?

Yes, this business card offers an introductory APR rate on balance transfers of 4.99% for a period of 6 months from account opening.

This business credit card does not offer an introductory rate on new purchases.

Mountain View Bank of Commerce MasterCard Business Platinum Payback Credit Card Rates & Terms
Purchase APR 16.74%
Balance Transfer APR 16.74%
Cash Advance APR 20.24%
Penalty APR 23.99%

What fees does it charge?

The following fees apply to this business credit card:

  • There is no annual fee.
  • A late payment penalty of up to $35.
  • A returned payment fee of up to $25.
  • There is no overlimit fee

Does it charge a foreign transaction fee?

This business card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this business card at home and apply for one that doesn't charge a foreign transaction fee.

Mountain View Bank of Commerce MasterCard Business Platinum Payback Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Balance Transfer Fee 4%
Minimum Balance Transfer Fee $10
Returned Payment Fee $25
Late Payment Fee up to $35

Does it offer a cash back rewards program?

This business credit card offers a rewards program to its customers. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:

  • Every Purchase

Does it have a sign up bonus?

This business credit card doesn't offer a cash signup bonus.

Does it offer an annual loyalty bonus?

This business card doesn't offer a cash loyalty bonus.

Can I get it with just an employer identification number (EIN)?

You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.

What are the benefits?

This business credit card provides the following benefits:

  • Emergency Support
  • Fraud Liability
  • Cellular Telephone Protection
  • Reports to major credit bureaus

What is the customer service phone number?

The customer service number for this business card is (303) 243-5400.

Does Mountain View Bank of Commerce MasterCard Business Platinum Payback Credit Card report your account activity to credit bureaus?

Yes, Mountain View Bank of Commerce MasterCard Business Platinum Payback Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply?

  • Visit the Mountain View Bank of Commerce .
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Feature Breakdown

Annual Fee $0
No Annual Fee
No Interest Grace Period for Late Payment 25 days
Over-Limit Fee $0
Cash Advance Fee (%) Up to 5%
Cash Advance Fee Minimum $10
Foreign Currency Transaction Fee 3%
Late Fee Amount Up to $35
Minimum Cash Advance Fee ($) Starting at $10
Minimum Interest Charge $1
Returned Payment Fee $25
Customer Type Business
Minimum Age 18
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Emergency Support
  • Fraud Liability
  • Cellular Telephone Protection
Rewards Categories
  • Every Purchase
Balance Computation Average daily balance (including new purchases
Cash Advance APR (Variable APR) 20.24%
Penalty APR (Variable APR) 23.99%
Purchase APR (Variable APR) 16.74%
Balance Transfer Fee % 4%
Balance Transfer Fee Minimum $10
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer Introductory APR (Variable APR) 4.99%
Balance Transfer APR (Variable APR) 16.74%
Card Network Mastercard
Card Type
  • Rewards
  • Balance Transfer

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