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  Mountain View Bank of Commerce MasterCard World Elite Credit Card

Mountain View Bank of Commerce MasterCard World Elite Credit Card

in Personal Credit Cards from Mountain View Bank of Commerce

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Mountain View Bank of Commerce MasterCard World Elite 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%
Balance Transfer APR  (Variable APR) 10.99%
Credit Score Range 650 - 850
Annual Fee $299

Mountain View Bank of Commerce MasterCard World Elite Credit Card Review

This is a rewards credit card issued by Mountain View Bank of Commerce. If you're wondering whether Mountain View Bank of Commerce MasterCard World Elite 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 World Elite Credit Card has a variable purchase APR of 10.99%
  • 4% Balance transfer fee. Mountain View Bank of Commerce MasterCard World Elite 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.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • 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 World Elite Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 2.99%.
  • Multiple credit card perks.
  • Access to a concierge.
  • Identity Theft Protection.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Mountain View Bank of Commerce MasterCard World Elite Credit Card is accepted.
  • Mountain View Bank of Commerce MasterCard World Elite Credit Card reports to multiple credit bureaus.
  • Charges an annual fee of $299
  • Does not offer a signup bonus.
  • Charges a 4% balance transfer fee.
Mountain View Bank of Commerce MasterCard World Elite Credit Card FAQ

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

Mountain View Bank of Commerce MasterCard World Elite Credit Card is a rewards card.

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

Does Mountain View Bank of Commerce MasterCard World Elite Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Mountain View Bank of Commerce MasterCard World Elite 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 World Elite Credit Card benefits?

It provides the following benefits:

  • Emergency Support
  • Zero fraud liability
  • Cell Phone Protection
  • Reports to major credit bureaus

What are the relevant APRs for Mountain View Bank of Commerce MasterCard World Elite 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 of 10.99%. The card has a variable balance transfer APR of 10.99% . It also has a variable cash advance APR of 14.74% . Note that late payments are subject to an APR of 23.99% 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 World Elite Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 2.99% for a period of up to 6 months.

Mountain View Bank of Commerce MasterCard World Elite Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 2.99%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 10.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 4%

Does Mountain View Bank of Commerce MasterCard World Elite 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 World Elite Credit Card?

The following fees apply:

  • There is no overlimit fee
Mountain View Bank of Commerce MasterCard World Elite Credit Card Fees
Fees Amount
Annual Fee $299
Overlimit Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee $25
Late Payment Fee up to $35

Does Mountain View Bank of Commerce MasterCard World Elite Credit Card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

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

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

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

Yes, Mountain View Bank of Commerce MasterCard World Elite 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 World Elite Credit Card

  • Visit the Mountain View Bank of Commerce MasterCard World Elite 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 1 state
Colorado
Availabile in all of Colorado

Feature Breakdown

Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
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
Annual Fee $299
Minimum Interest Charge $1
Returned Payment Fee $25
Additional Card Fee Amount $49
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
  • Cellular Telephone Protection
  • Concierge
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 14.74%
Balance Computation Average daily balance (including new purchases)
Penalty APR (Variable APR) 23.99%
Purchase APR (Variable APR) 10.99%
Balance Transfer Introductory APR (Variable APR) 2.99%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 10.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 4%
Card Type
  • Rewards
  • Balance Transfer
Card Network Mastercard

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