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.

• 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 eligible 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 odds if your credit score is above 650.

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.

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?

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

The following fees apply:

• There is no overlimit fee

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 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.