Mountain View Bank Commerce Visa Preferred Credit Card

Mountain View Bank Commerce Visa Preferred Credit Card Review

This is a rewards card issued by Mountain View Bank of Commerce. If you're wondering whether Mountain View Bank Commerce Visa Preferred Credit Card is the right card for you, read on.

Key Takeaways

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 18.74% up to 28.74%.
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• 4% Balance transfer fee. Mountain View Bank Commerce Visa Preferred 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.

Pros & Cons of Mountain View Bank Commerce Visa Preferred Credit Card

Mountain View Bank Commerce Visa Preferred Credit Card FAQ

Does Mountain View Bank Commerce Visa Preferred Credit Card have a cash back or rewards program?

Mountain View Bank Commerce Visa Preferred Credit Card is a rewards card.

What are the Mountain View Bank Commerce Visa Preferred 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 Commerce Visa Preferred Credit Card?

Mountain View Bank Commerce Visa Preferred Credit Card has a variable purchase APR that ranges from 18.74% up to 28.74%. The card has a variable balance transfer APR that ranges from 18.74% up to 28.74%. It also has a variable cash advance APR that ranges from 18.74% up to 28.74%. Note that late payments are subject to an APR of 30.24% 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 Commerce Visa Preferred 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 rewards card.

Does Mountain View Bank Commerce Visa Preferred Credit Card report your account activity to credit bureaus?

Yes, Mountain View Bank Commerce Visa Preferred 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 Commerce Visa Preferred Credit Card

• Visit the Mountain View Bank Commerce Visa Preferred 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.