River City Bank Business World Elite Plus Mastercard®
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| Purchase APR (Variable APR) | 13.24% |
| Balance Transfer APR (Variable APR) | 13.24% |
| Credit Score Range | 600 - 850 |
| Annual Fee | $249 |
River City Bank Business World Elite Plus Mastercard® Review
This is a rewards card issued by River City Bank. If you're wondering whether River City Bank business credit card is the right card for you, read on.
Key Takeaways
- Competitive APRs. River City Bank Business World Elite Plus Mastercard® has a variable purchase APR of 13.24%
- 4% Balance transfer fee. River City Bank Business World Elite Plus 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.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of River City Bank business credit card
| 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 13.24% .
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 | 13.24% |
| 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.
- A returned payment fee of up to $25.
- There is no overlimit fee
Does it charge a foreign transaction fee?
This business credit card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.
| Fees | Amount |
|---|---|
| Annual Fee | $249 |
| Foreign Transaction Fee | 0% |
| Balance Transfer Fee | 4% |
| Minimum Balance Transfer Fee | $10 |
| Returned Payment Fee | $25 |
| Late Payment Fee | up to $35 |
Does it offer a cash back or rewards program?
Yes, River City Bank business credit card offers a rewards program to its customers.
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.
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 World Elite Plus Mastercard® report your account activity to credit bureaus?
Yes, River City Bank Business World Elite Plus 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 .
- 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 River City Bank business credit card
Contact
- Headquarters
-
2485 Natomas Park Dr.
Sacramento, CA 95833 USA - (800) 564-7144
- Visit Site
- Email Support
Other Services by River City Bank
Feature Breakdown
| Annual Fee | $249 |
| Cash Advance Fee (%) | 5% |
| Cash Advance Fee Minimum | $10 |
| Foreign Currency Transaction Fee | 0% |
| Late Fee Amount | Up to $35 |
| Minimum Cash Advance Fee ($) | $10 |
| Minimum Interest Charge | $1 |
| No Foreign Transaction Fee | |
| No Interest Grace Period for Late Payment | 25 days |
| Over-Limit Fee | $0 |
| Returned Payment Fee | $25 |
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