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  River City Bank Business World Elite Plus Mastercard®

River City Bank Business World Elite Plus Mastercard®

in Business Credit Cards from River City Bank

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River City Bank Business World Elite Plus Mastercard®

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in Business Credit Cards from River City Bank

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Highlights
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

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
  • Potentially lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 2.99%.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • River City Bank Business World Elite Plus Mastercard® reports to multiple credit bureaus.
  • Charges an annual fee of $249
  • Does not offer a signup bonus.
  • You don't earn rewards on every purchase.
  • Charges a 4% balance transfer fee. After the introductory period, the fee is 4% of the balance transferred or $10, whichever is greater.
  • Does not include many credit card benefits.
River City Bank business credit card FAQ

Who is River City Bank business credit card designed for?

This is a credit card issued by River City Bank. 

This business card is designed for small businesses with fair credit. The minimum credit score to apply is 600.

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 credit card does not offer an introductory rate on new purchases.

River City Bank business credit card Rates & Terms
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.

River City Bank business credit card Fees
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 rewards program?

This 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.

Can I get it with just an employer identification number (EIN)?

You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.

What are the benefits?

This business credit card provides the following benefits:

  • Fraud Liability
  • Reports to major credit bureaus

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.
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Message From River City Bank Business World Elite Plus Mastercard®

Get the most from your business credit card. Finding the right credit card for your business has never been easier! $249 Annual Fee ($49 for each additional card).

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 5:00pm
  • Tuesday 8:00am - 5:00pm
  • Wednesday 8:00am - 5:00pm
  • Thursday 8:00am - 5:00pm
  • Friday 8:00am - 5:00pm
  • Saturday Closed

Other Services by River City Bank

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View all business credit cards offered by River City Bank

Feature Breakdown

Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 25 days
Over-Limit Fee $0
Annual Fee $249
Cash Advance Fee (%) 5%
Cash Advance Fee Minimum $10
Late Fee Amount Up to $35
Minimum Cash Advance Fee ($) $10
Minimum Interest Charge $1
Returned Payment Fee $25
Customer Type Business
Minimum Age 18
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Type No Rewards
Balance Computation Average daily balance (including new purchases).
Cash Advance APR (Variable APR) 16.74%
Penalty APR (Variable APR) 23.99%
Purchase APR (Variable APR) 13.24%
Balance Transfer Fee % 4%
Balance Transfer Fee % After Intro Period 4%
Balance Transfer Fee Minimum $10
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer Introductory APR (Variable APR) 2.99%
Balance Transfer APR (Variable APR) 13.24%
Card Network Mastercard
Card Type
  • Rewards

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