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  Mountain View Bank of Commerce MasterCard Platinum Payback Credit Card

Mountain View Bank of Commerce MasterCard Platinum Payback Credit Card

in Personal Credit Cards from Mountain View Bank of Commerce

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Mountain View Bank of Commerce MasterCard Platinum Payback Credit Card

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in Personal Credit Cards from Mountain View Bank of Commerce

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Highlights
Purchase APR  (Variable APR) 10.99% - 21.99%
Balance Transfer APR  (Variable APR) 10.99% - 21.99%
Credit Score Range 650 - 850
Annual Fee $0

Mountain View Bank of Commerce MasterCard Platinum Payback Credit Card Review

This is a cashback credit card issued by Mountain View Bank of Commerce. If you're wondering whether Mountain View Bank of Commerce MasterCard Platinum Payback 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.

Key Takeaways
  • Competitive APRs. Mountain View Bank of Commerce MasterCard Platinum Payback 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 cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
  • 4% Balance transfer fee. Mountain View Bank of Commerce MasterCard Platinum Payback 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 above650.
Pros & Cons of Mountain View Bank of Commerce MasterCard Platinum Payback Credit Card
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.
  • Cardholders can earn rewards on purchases everywhere Mountain View Bank of Commerce MasterCard Platinum Payback Credit Card is accepted.
  • Mountain View Bank of Commerce MasterCard Platinum Payback Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Charges a 4% balance transfer fee.
Mountain View Bank of Commerce MasterCard Platinum Payback Credit Card FAQ

Does Mountain View Bank of Commerce MasterCard Platinum Payback Credit Card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash.

Mountain View Bank of Commerce MasterCard Platinum Payback Credit Card Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A

Does Mountain View Bank of Commerce MasterCard Platinum Payback Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Mountain View Bank of Commerce MasterCard Platinum Payback Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Mountain View Bank of Commerce MasterCard Platinum Payback 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 MasterCard Platinum Payback 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. It has lower than average regular APRs.

It 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 MasterCard Platinum Payback 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.

Mountain View Bank of Commerce MasterCard Platinum Payback Credit Card Balance Transfers
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 MasterCard Platinum Payback 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 MasterCard Platinum Payback Credit Card?

The following fees apply:

  • There is no overlimit fee
Mountain View Bank of Commerce MasterCard Platinum Payback 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

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

Does Mountain View Bank of Commerce MasterCard Platinum Payback Credit Card have a foreign transaction fee?

Mountain View Bank of Commerce MasterCard Platinum Payback 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.

What is the customer service phone number for Mountain View Bank of Commerce MasterCard Platinum Payback Credit Card?

The Mountain View Bank of Commerce MasterCard Platinum Payback Credit Card customer service number is (303) 243-5400.

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

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

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

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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • 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
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Emergency Support
  • Fraud Liability
  • Concierge
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 15.99% - 24.99%
Balance Computation Average daily balance (including new purchases)
Penalty APR (Variable APR) 25.99%
Purchase APR (Variable APR) 10.99% - 21.99%
Balance Transfer Introductory APR (Variable APR) 4.99%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 10.99% - 21.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 4%
Card Type
  • Rewards
  • Balance Transfer
  • Cashback
Card Network Mastercard

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