Mountain View Bank Commerce Secured Card
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| Purchase APR (Variable APR) |
28.24% (Verified 12/27/2022) |
| Balance Transfer APR (Variable APR) |
28.24% (Verified 12/27/2022) |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
Mountain View Bank Commerce Secured Card Review
This is a secured credit card card issued by Mountain View Bank of Commerce. If you're wondering whether Mountain View Bank Commerce Secured Card is the right card for you, read on.
Key Takeaways
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 28.24%
- 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.
- 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.
- Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Mountain View Bank Commerce Secured Card
| The Good | The Bad |
|---|---|
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Mountain View Bank Commerce Secured Card FAQ
Does Mountain View Bank Commerce Secured Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Mountain View Bank Commerce Secured Card benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Mountain View Bank Commerce Secured 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 higher than average regular APRs.Mountain View Bank Commerce Secured Card has a variable purchase APR of 28.24%. The card has a variable balance transfer APR of 28.24% . It also has a variable cash advance APR of 30.24% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Mountain View Bank Commerce Secured Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Mountain View Bank Commerce Secured Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Mountain View Bank Commerce Secured Card?
The following fees apply:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | up to $41 |
| Late Payment Fee | up to $41 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Mountain View Bank Commerce Secured Card have a foreign transaction fee?
Mountain View Bank Commerce Secured Card 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 foreign transaction fees.What is the customer service phone number for Mountain View Bank Commerce Secured Card?
The Mountain View Bank Commerce Secured Card customer service number is (303) 243-5400.
What is the support contact email for Mountain View Bank Commerce Secured Card?
The support contact email for Mountain View Bank Commerce Secured Card is operations@mvbofc.com.
What is the Mountain View Bank Commerce Secured Card login page?
You can access the Mountain View Bank Commerce Secured Card login page here.
How do people rate the customer service and user experience of Mountain View Bank Commerce Secured Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Mountain View Bank Commerce Secured Card report your account activity to credit bureaus?
Yes, Mountain View Bank Commerce Secured 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 View Bank Commerce Secured Card
- Visit the Mountain View Bank Commerce Secured 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.
Contact
- Headquarters
-
12001 N Pecos St
Westminster, CO 80234 USA - (303) 243-5400
- Visit Site
- Email Support
Other Services by Mountain View Bank of Commerce
Other Credit Cards by Mountain View Bank of Commerce
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | 5% |
| Minimum Cash Advance Fee ($) | $10 |
| Foreign Currency Transaction Fee | 3% |
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $1 |
| Over-Limit Fee | $0 |
| No Interest Grace Period for Late Payment | 24 days |
| Returned Payment Fee | Up to $41 |
| Late Fee Amount | Up to $41 |
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