People's Bank of Commerce World MasterCard
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| Purchase APR (Variable APR) | 13.24% |
| Balance Transfer APR (Variable APR) | 16.74% |
| Credit Score Range | 650 - 850 |
| Annual Fee | $249 |
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
- Competitive APRs. People's Bank of Commerce World MasterCard has a variable purchase APR of 13.24%
- 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 3% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
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.
- There is no overlimit fee
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.
What are the benefits?
This business credit card provides the following benefits:
- Fraud Liability
- Reports to major credit bureaus
What is the customer service phone number?
The customer service number for this business card is .
What is the support contact email?
The support contact email for this business credit card is info@peoplesbank.bank.
Does People's Bank of Commerce World MasterCard report your account activity to credit bureaus?
Yes, People's Bank of Commerce World MasterCard 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 People's 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.
Message From People's Bank of Commerce World MasterCard
Contact
- Headquarters
-
1528 Biddle Road
Medford, OR 97504 USA - Visit Site
- Email Support
Other Services by People's Bank of Commerce
Other Business Credit Cards by People's Bank of Commerce
Feature Breakdown
| Annual Fee | $249 |
| Cash Advance Fee (%) | Starting at 5% |
| Cash Advance Fee Minimum | $10 |
| Foreign Currency Transaction Fee | 3% |
| Late Fee Amount | Up to $35 |
| Minimum Cash Advance Fee ($) | Starting at $10 |
| Minimum Interest Charge | $1 |
| No Interest Grace Period for Late Payment | 25 days |
| Over-Limit Fee | $0 |
| Returned Payment Fee | Starting at $25 |
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