Mountain Pacific Bank Visa Card

Mountain Pacific Bank Visa Card Review

This is a card issued by Mountain Pacific Bank. If you're wondering whether Mountain Pacific Bank Visa Card is the right card for you, read on.

Key Takeaways

• No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
• 3% Balance transfer fee. Mountain Pacific Bank Visa Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
• Good or better credit required. You will have low approval odds if your credit score is below 670.

Pros & Cons of Mountain Pacific Bank Visa Card

The Good	The Bad
Potentially lower than average purchase APRs. No annual fee. Mountain Pacific Bank Visa Card reports to multiple credit bureaus.	You need good credit to qualify. Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase. Charges a 3% balance transfer fee. Does not include many credit card benefits.

Mountain Pacific Bank Visa Card FAQ

Does Mountain Pacific Bank Visa Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the relevant APRs for Mountain Pacific Bank Visa Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

Mountain Pacific Bank Visa Card has a fixed purchase APR starting at 12% . The card has a fixed balance transfer APR starting at 15% . It also has a fixed cash advance APR starting at 15% .

What are the fees for Mountain Pacific Bank Visa Card?

The following fees apply:

Mountain Pacific Bank Visa Card Fees

Fees	Amount
Annual Fee	$0
Returned Payment Fee	up to $25
Late Payment Fee	up to $20

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Mountain Pacific Bank Visa Card report your account activity to credit bureaus?

Yes, Mountain Pacific Bank Visa Card 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 for Mountain Pacific Bank Visa Card

• Visit the Mountain Pacific Bank Visa Card 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.