Mountain View Bank Smart Business Rewards Visa® Card

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 Business Rewards Visa Card is the right card for you, read on.

Key Takeaways

• High APRs. This is not a great card for people who carry a balance. It has a variable 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.
• Annual fee waived 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 protection, and fraud protection.

Pros & Cons of Mountain View Bank Business Rewards Visa Card

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.

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 up to $35.

Does it offer a cash back or rewards program?

Yes, Mountain View Bank Business Rewards Visa Card offers a rewards program to its customers.

What are the benefits?

This business credit card provides the following benefits:

• Fraud Liability
• Price 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.

What is the support contact email?

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

Does Mountain View Bank Smart Business Rewards Visa® Card report your account activity to credit bureaus?

Yes, Mountain View Bank Smart Business Rewards Visa® 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.