Last Updated: 04/18/2025
People's Bank of Commerce World MasterCard
Unaffiliated
Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
13.24%(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
$249
Credit Score Range
650 - 850
People's Bank of Commerce World MasterCard Review
This is a card issued by People's Bank of Commerce. If you're wondering whether People's Bank of Commerce World MasterCard is the right card for you, read on.
Key Takeaways
- APRs: People's Bank of Commerce World MasterCard has a variable regular purchase APR of 13.24%
- A 4% balance transfer fee. People's Bank of Commerce World 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 World MasterCard
| The Good | The Bad |
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What are the relevant APRs?
This business credit card has a variable purchase APR of 13.24%. The card has a variable balance transfer APR of 16.74% .
It also has a variable cash advance APR of 16.74%. 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 2.99% for a period of 6 months from account opening.
This business card does not offer an introductory rate on new purchases.| Purchase APR | 13.24% |
| Balance Transfer APR | 16.74% |
| Cash Advance APR | 16.74% |
| Penalty APR | 23.99% |
What fees does it charge?
The following fees apply to this business credit card:
- An annual fee of $249 .
- 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 | $249 |
| 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?
No, it does not offer a cash back rewards program.
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| Rewards Type | No Rewards | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Message from People's Bank of Commerce World 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