River City Bank Business Platinum Payback Mastercard®

River City Bank Business Platinum Payback Mastercard® Review

This is a rewards card issued by River City Bank. If you're wondering whether River City Bank Business Platinum Payback Mastercard® is the right card for you, read on.

Key Takeaways

• Competitive APRs. River City Bank Business Platinum Payback Mastercard® has a variable 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.
• 4% Balance transfer fee. River City Bank Business Platinum Payback 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 River City Bank Business Platinum Payback Mastercard®

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.

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.
• A returned payment fee of up to $25.
• There is no overlimit fee

Does it offer a cash back or rewards program?

Yes, River City Bank Business Platinum Payback 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:

• Every Purchase

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 (800) 564-7144.

What is the support contact email?

The support contact email for this business credit card is info@rivercitybank.com.

Does River City Bank Business Platinum Payback Mastercard® report your account activity to credit bureaus?

Yes, River City Bank Business Platinum Payback 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 River City Bank Business Platinum Payback Mastercard® website.
• 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.