Last Updated: 05/14/2026
Mountain View Bank Smart Business Rewards Visa® Card
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Last Updated: 05/14/2026
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Highlights
Purchase APR (Variable APR)
20.24% - 25.24%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
20.24% - 25.24%(Verified 06/21/2024)
Annual Fee
$0 - $95
Credit Score Range
N/A
Mountain View Bank Smart Business Rewards Visa® Card Review
This is a rewards card issued by Mountain View Bank of Commerce. If you're wondering whether Mountain View Bank Smart Business Rewards Visa® Card is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 20.24% up to 25.24%.
- Rewards program. This credit card offers rewards on your purchases, but you will have to pay an annual fee of up to $95 for the privilege.
- $0 intro annual fee for the first year. Mountain View Bank Smart Business Rewards Visa® Card gives you the chance to have the card for a year without paying the $0 annual fee.
- 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.
- Multiple business credit card benefits. Includes generous credit card perks, such as identity theft protection, price protection, purchase security, and fraud protection.
Pros & Cons of Mountain View Bank Business Rewards Visa Card
| The Good | The Bad |
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What are the relevant APRs?
This business credit card has a variable purchase APR that ranges from 20.24% up to 25.24% . The card has a variable balance transfer APR that ranges from 20.24% up to 25.24% .
It also has a variable cash advance APR of 30.24%. Note that late payments are subject to an APR of 31.49% 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?
No, this business card does not come with an introductory APR offer for balance transfers.
This business card does not offer an introductory rate on new purchases.| Purchase APR | 20.24% - 25.24% |
| Balance Transfer APR | 20.24% - 25.24% |
| Cash Advance APR | 30.24% |
| Penalty APR | 31.49% |
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 $39 .
- A returned payment fee of $35.
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.
| Fees | Amount |
| Annual Fee | $0 |
| Foreign Transaction Fee | 0% |
| Returned Payment Fee | $35 |
| Late Payment Fee | $19 to $39 |
Does it offer a cash back or rewards program?
Yes, Mountain View Bank Business Rewards Visa Card offers a rewards program to its customers.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Bonus Rewards | $200 bonus. Earn 20,000 bonus rewards points when you spend $500 in the first 90 days of account opening. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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.
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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.
Hours of Operation
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Other Services by Mountain View Bank of Commerce
Other Business Credit Cards from Mountain View Bank of Commerce
Rating not yet determined
Purchase APR
16.24% - 25.24%
Disclaimer popup with additional information
Balance Transfer APR
16.24% - 25.24%
Disclaimer popup with additional information
Annual Fee
$0
Credit Score Range
650 - 850
300
850
Rating not yet determined
Purchase APR
18.24% - 27.24%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 27.24%
Disclaimer popup with additional information
Annual Fee
$0
Credit Score Range
650 - 850
300
850
Rating not yet determined
Purchase APR
18.24% - 27.24%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 27.24%
Disclaimer popup with additional information
Annual Fee
$0
Credit Score Range
N/A
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