Mountain View Bank of Commerce MasterCard Platinum Credit Card Review

Mountain View Bank of Commerce MasterCard Platinum Credit Card is a credit card issued by Mountain View Bank of Commerce. If you're wondering whether Mountain View Bank of Commerce MasterCard Platinum Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

• Competitive APRs. Mountain View Bank of Commerce MasterCard Platinum Credit Card has a variable purchase APR that ranges from 10.99% up to 21.99%.
• 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.
• 4% Balance transfer fee. Mountain View Bank of Commerce MasterCard Platinum Credit Card 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.
• 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.
• Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, emergency support, identity theft protection, and fraud protection.
• Fair or better credit required. You will have good approval oods if your credit score is above600.

The Good	The Bad
Lower than average purchase APRs. Has an introductory APR rate on balance transfers of 4.99%. No annual fee. Multiple credit card perks. Access to a concierge. Identity Theft Protection. Considers applicants with fair or poor credit. Mountain View Bank of Commerce MasterCard Platinum Credit Card reports to multiple credit bureaus.	Does not offer a signup bonus. Does not offer rewards or cash back. Charges a foreign transaction fee of 3%. You don't earn rewards on every purchase. Charges a 4% balance transfer fee.

Is there a Mountain View Bank of Commerce MasterCard Platinum Credit Card cash back or rewards program?

No, Mountain View Bank of Commerce MasterCard Platinum Credit Card does not offer a rewards program.

What are the Mountain View Bank of Commerce MasterCard Platinum Credit Card benefits?

Mountain View Bank of Commerce MasterCard Platinum Credit Card provides the following benefits:

• Emergency Support
• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Mountain View Bank of Commerce MasterCard Platinum Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Mountain View Bank of Commerce MasterCard Platinum Credit Card has lower than average purchase APRs.

Mountain View Bank of Commerce MasterCard Platinum Credit Card has a variable purchase APR that ranges from 10.99% up to 21.99%. The card has a variable balance transfer APR that ranges from 10.99% up to 21.99%. It also has a variable cash advance APR that ranges from 15.99% up to 24.99%. Note that late payments are subject to an APR of 25.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for Mountain View Bank of Commerce MasterCard Platinum Credit Card?

The following fees apply to Mountain View Bank of Commerce MasterCard Platinum Credit Card:

• There is no overlimit fee

Mountain View Bank of Commerce MasterCard Platinum Credit Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	3%
Returned Payment Fee	$25
Late Payment Fee	up to $35

Does Mountain View Bank of Commerce MasterCard Platinum Credit Card report your account activity to credit bureaus?

Yes, Mountain View Bank of Commerce MasterCard Platinum Credit 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 of Commerce MasterCard Platinum Credit Card

• Visit the Mountain View Bank of Commerce MasterCard Platinum Credit 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.