Mountain View Bank of Commerce MasterCard Business World Elite Credit Card Review

• Competitive APRs. Mountain View Bank of Commerce MasterCard Business World Elite Credit Card has a variable purchase APR of 16.74%
• 4% Balance transfer fee. Mountain View Bank of Commerce MasterCard Business World Elite 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.

The Good	The Bad
Has an introductory APR rate on balance transfers of 4.99%. Identity Theft Protection. No foreign transaction fee. Cardholders can earn rewards on purchases everywhere Mountain View Bank of Commerce MasterCard Business World Elite Credit Card is accepted. Mountain View Bank of Commerce MasterCard Business World Elite Credit Card reports to multiple credit bureaus.	Charges an annual fee of $29 Does not offer a signup bonus. Charges a 4% balance transfer fee.

Who is Mountain View Bank of Commerce MasterCard Business World Elite 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.

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 offer a cash back rewards program?

This business credit card offers a rewards program to its customers. The rewards program allows you to earn cash with every purchase you make. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:

• Every Purchase

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:

• Fraud Liability
• Cellular Telephone Protection
• No blackout dates when redeeming miles
• Reports to major credit bureaus

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

Yes, Mountain View Bank of Commerce MasterCard Business World Elite 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.