SuperMoney
  Mountain View Bank MasterCard Credit Card
Mountain View Bank MasterCard Credit Card Unaffiliated

Mountain View Bank MasterCard Credit Card

Unaffiliated
Not enough votes for recommendation

Not enough votes for recommendation

Explore a similar product
Try this top product in Business Credit Cards.
Spark 2X Miles
Spark 2X Miles 7 reviews
Highlights
Purchase APR 16.74%
Balance Transfer APR 16.74%
Credit Score Range 650 - 850
Annual Fee $29

Mountain View Bank MasterCard Credit Card Review

Key Takeaways
  • Competitive APRs. Mountain View Bank MasterCard Credit Card has a variable purchase APR of 16.74%
  • 4% Balance transfer fee. Mountain View Bank MasterCard 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.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Mountain View Bank MasterCard Credit Card
The Good The Bad
  • Has an introductory APR rate on balance transfers of 4.99%.
  • No foreign transaction fee.
  • Mountain View Bank MasterCard Credit Card reports to multiple credit bureaus.
  • Charges an annual fee of $29
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Charges a 4% balance transfer fee.
Mountain View Bank MasterCard Credit Card FAQ

Who is Mountain View Bank MasterCard 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 MasterCard 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:

  • An annual fee of $29.
  • 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 credit card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

Mountain View Bank MasterCard Credit Card Fees
Fees Amount
Annual Fee $29
Foreign Transaction Fee 0%
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?

No, it does not offer a cash back rewards program. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:

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:

  • No blackout dates when redeeming miles
  • Reports to major credit bureaus

What is the support contact email?

The support contact email for this business credit card is operations@mvbofc.com.

Does Mountain View Bank MasterCard Credit Card report your account activity to credit bureaus?

Yes, Mountain View Bank MasterCard Credit Card reports your account activity to the following credit reporting agencies:

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.

Message From Mountain View Bank of Commerce

Choose the card best suited for your business needs and apply today. Points & Cash Back Rewards. $29 Annual Fee. Zero Foreign Transaction Fees. 16.74% APR on Purchases.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

Other Services by Mountain View Bank of Commerce

Icon for Business Credit Cards
View all business credit cards offered by Mountain View Bank of Commerce

Feature Breakdown

Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 25 days
Over-Limit Fee $0
Annual Fee $29
Cash Advance Fee (%) Up to 5%
Cash Advance Fee Minimum $10
Late Fee Amount Up to $35
Minimum Cash Advance Fee ($) Starting at $10
Minimum Interest Charge $1
Returned Payment Fee $25
Minimum Age 18
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
  • Cellular Telephone Protection
No Blackout Dates
No Reward Expiration Period
Rewards Categories
  • Every Purchase
Balance Computation Average daily balance (including new purchases)
Cash Advance APR 20.24%
Penalty APR 23.99%
Purchase APR 16.74%
Balance Transfer Fee % 4%
Balance Transfer Fee Minimum $10
Balance Transfer Intro APR Period 6 months
Balance Transfer Introductory APR 4.99%
Balance Transfer APR 16.74%
Card Network Mastercard
Card Type
  • Rewards
  • Balance Transfer
  • Cashback

Be the first to rate

 

Would you recommend Mountain View Bank MasterCard Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Mountain View Bank of Commerce Business Credit Cards

Loading...