Last Updated: 04/18/2025
People's Bank of Commerce Business MasterCard
Unaffiliated
Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
16.74%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
16.74%(Verified 06/21/2024)
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Annual Fee
$0
Credit Score Range
650 - 850
People's Bank of Commerce Business MasterCard Review
This is a rewards card issued by People's Bank of Commerce. If you're wondering whether People's Bank of Commerce Business MasterCard is the right card for you, read on.
Key Takeaways
- Business credit card with generous reward rate. You can get a rewards rate of up to 5 reward points per dollar spent.
- APRs: People's Bank of Commerce Business MasterCard has a variable regular 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.
- A 4% balance transfer fee. People's Bank of Commerce Business MasterCard 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 up to 3% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of People's Bank of Commerce Business MasterCard
| The Good | The Bad |
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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 card does not offer an introductory rate on new purchases.| 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 .
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.
| Fees | Amount |
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Balance Transfer Fee | 4% |
| Minimum Balance Transfer Fee | $10 |
| Late Payment Fee | up to $35 |
Does it offer a cash back or rewards program?
Yes, People's Bank of Commerce Business MasterCard 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:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories |
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| Rewards Type | Points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Reward Rates | 1 - 5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Airfare
- 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.
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Message from People's Bank of Commerce Business MasterCard
Hours of Operation
Sunday
Closed
Monday
8:30AM - 5:00PM
Tuesday
8:30AM - 5:00PM
Wednesday
8:30AM - 5:00PM
Thursday
8:30AM - 5:00PM
Friday
8:30AM - 6:00PM
Saturday
Closed