Last Updated: 05/14/2026
People's Bank of Commerce World MasterCard
Unaffiliated
Last Updated: 05/14/2026
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Highlights
Purchase APR (Variable APR)
13.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
16.74%(Verified 06/21/2024)
Disclaimer popup with additional information
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.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Type | No Rewards | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.
Message from People's Bank of Commerce World MasterCard
Hours of Operation
SundayClosedMonday8:30AM - 5:00PMTuesday8:30AM - 5:00PMWednesday8:30AM - 5:00PMThursday8:30AM - 5:00PMFriday8:30AM - 6:00PMSaturdayClosed
Other Services by People's Bank of Commerce
Other Business Credit Cards from People's Bank of Commerce
Rating not yet determined
Purchase APR
16.74%
Disclaimer popup with additional information
Balance Transfer APR
16.74%
Disclaimer popup with additional information
Annual Fee
$0
Credit Score Range
600 - 850
300
850
Rating not yet determined
Purchase APR
16.74%
Disclaimer popup with additional information
Balance Transfer APR
16.74%
Disclaimer popup with additional information
Annual Fee
$0
Credit Score Range
650 - 850
300
850
Rating not yet determined
Purchase APR
16.74%
Disclaimer popup with additional information
Balance Transfer APR
16.74%
Disclaimer popup with additional information
Annual Fee
$0
Credit Score Range
600 - 850
300
850
Community Recommended Products
View AllStrongly recommended10 Reviews
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Learn MoreSuperMoney Net Recommendation Score
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