Mountain View Bank of Commerce MC Credit Card
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| Purchase APR (Variable APR) | 10.99% - 21.99% |
| Balance Transfer APR (Variable APR) | 10.99% - 21.99% |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
Mountain View Bank of Commerce MC Credit Card Review
This is a credit card issued by Mountain View Bank of Commerce. If you're wondering whether Mountain View Bank of Commerce MC Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.
- Competitive APRs. Mountain View Bank of Commerce MC 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 MC 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 odds if your credit score is above 600.
| The Good | The Bad |
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Does Mountain View Bank of Commerce MC Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Mountain View Bank of Commerce MC Credit Card benefits?
It 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 MC Credit 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 View Bank of Commerce MC 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.
Does Mountain View Bank of Commerce MC Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 4.99% for a period of up to 6 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 4.99% |
| Balance Transfer Intro APR Period | 6 months |
| Balance Transfer APR | 10.99% - 21.99% |
| Balance Transfer Fee Minimum | $10 |
| Balance Transfer Fee % | 4% |
Does Mountain View Bank of Commerce MC Credit 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 of Commerce MC Credit 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 | $25 |
| Late Payment Fee | up to $35 |
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 of Commerce MC Credit Card have a foreign transaction fee?
Mountain View Bank of Commerce MC Credit 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.How do people rate the customer service and user experience of Mountain View Bank of Commerce MC Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Mountain View Bank of Commerce MC Credit Card report your account activity to credit bureaus?
Yes, Mountain View Bank of Commerce MC 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 MC Credit Card
- Visit the Mountain View Bank of Commerce MC 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.
Contact
- Headquarters
-
12001 N Pecos St
Westminster, CO 80234 - Visit Site
Other Services by Mountain View Bank of Commerce
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Feature Breakdown
| No Annual Fee | |
| Annual Fee | $0 |
| Over-Limit Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | Up to 5% |
| Minimum Cash Advance Fee ($) | Starting at $10 |
| Foreign Currency Transaction Fee | 3% |
| Minimum Interest Charge | $1 |
| Returned Payment Fee | $25 |
| Late Fee Amount | Up to $35 |
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