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  Commence Mastercard

Out of Business

Commence Mastercard

in Personal Credit Cards from Barclays Bank

Out of Business

Commence Mastercard

in Personal Credit Cards from Barclays Bank

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Highlights
Highlights
Balance Transfer APR  (Variable APR) 14.99% - 23.99%
Credit Score Range 640 - 850
Annual Fee $0
Purchase APR  (Variable APR) 14.99% - 23.99%

Commence Mastercard Review

Commence Mastercard is a cashback credit card issued by Barclays Bank. If you're wondering whether Commence Mastercard is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers.
  • Competitive APRs. Commence Mastercard has a variable purchase APR that ranges from 14.99% up to 23.99%.
  • 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.
  • 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.
  • Student credit card. This card is geared toward students. In other words, college students with limited credit history and low incomes can still apply, especially if they have a cosigner ready to vouch for them.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 640.

Commence Mastercard Pros and Cons:

The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers .
  • No balance transfer fee.
  • No annual fee.
  • Cardholders can earn rewards on their purchases.
  • Cardholders can earn rewards on their purchases.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
  • Does not report to credit bureaus.
  • Does not include many credit card rewards.

Is there a Commence Mastercard cash back or rewards program?

Commence Mastercard is a cashback card. This means you earn a percentage of your purchase as a cash reward.

Commence Mastercard Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

Does Commence Mastercard have a signup bonus?

Commence Mastercard doesn't offer a cash signup bonus.

Does Commence Mastercard offer an annual loyalty bonus?

Commence Mastercard doesn't offer a cash loyalty bonus.

What are the relevant APRs for Commence Mastercard?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Commence Mastercard has lower than average purchase APRs.

Commence Mastercard has a variable purchase APR that ranges from 14.99% up to 23.99%. The card has a variable balance transfer APR that ranges from 14.99% up to 23.99%.

Does Commence Mastercard have an introductory APR offer on balance transfers?

Yes, Commence Mastercard offers an introductory APR rate on balance transfers of 0%

Commence Mastercard Balance Transfers
Description
Balance Transfer APR 14.99% - 23.99%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) N/A
Balance Transfer Fee % N/A
Balance Transfer Fee Minimum N/A

Does Commence Mastercard have an introductory APR offer on new purchases?

Commence Mastercard does not offer an introductory rate on new purchases.
Commence Mastercard Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Commence Mastercard?

The following fees apply to Commence Mastercard:

Commence Mastercard Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Late Payment Fee $37

Does Commence Mastercard have a foreign transaction fee?

Commence Mastercard 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 card at home and apply for one that doesn't charge a foreign transaction fee.

How to apply for Commence Mastercard

  • Visit the Commence Mastercard website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • 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.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

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...

Contact

  • Headquarters
  •   125 South West Street
    Wilmington, DE 19801
  •   Visit Site

Hours of Operation

  • Sunday Closed
  • Monday Closed
  • Tuesday Closed
  • Wednesday Closed
  • Thursday Closed
  • Friday Closed
  • Saturday Closed

Other Services by Barclays Bank

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) 1%
No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 23 days
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $0.50
Returned Payment Fee Starting at $37
Late Fee Amount $37
Customer Type Student
Minimum Age 18
Credit Score Range 640 - 850
Emergency Support  
Fraud Liability  
Extended Warranty  
Free FICO Score  
Bonus Rewards 2%
Rewards Type No Rewards
Balance Computation Daily balance (including new transactions
Purchase APR (Variable APR) 14.99% - 23.99%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer APR (Variable APR) 14.99% - 23.99%

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