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  People's Bank of Commerce Platinum Classic MasterCard
People's Bank of Commerce Platinum Classic MasterCard Unaffiliated

People's Bank of Commerce Platinum Classic MasterCard

Unaffiliated
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Highlights
Purchase APR  (Variable APR) 12.49% - 21.49%
(Verified 10/26/2022)
Balance Transfer APR  (Variable APR) 12.49% - 21.49%
(Verified 10/26/2022)
Credit Score Range 600 - 850
Annual Fee $0

People's Bank of Commerce Platinum Classic MasterCard Review

This is a credit card issued by People's Bank of Commerce. If you're wondering whether People's Bank of Commerce Platinum Classic MasterCard 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.
  • Competitive APRs. People's Bank of Commerce Platinum Classic MasterCard has a variable purchase APR that ranges from 12.49% up to 21.49%.
  • 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. People's Bank of Commerce Platinum Classic MasterCard 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.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of People's Bank of Commerce Platinum Classic MasterCard

The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • No annual fee.
  • Identity Theft Protection.
  • Considers applicants with fair credit.
  • People's Bank of Commerce Platinum Classic MasterCard reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
  • Charges a 4% balance transfer fee.
  • Does not include many credit card benefits.

People's Bank of Commerce Platinum Classic MasterCard FAQ

Does People's Bank of Commerce Platinum Classic MasterCard have a cash back or rewards program?

No, it does not offer a rewards program.

What are the People's Bank of Commerce Platinum Classic MasterCard benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for People's Bank of Commerce Platinum Classic MasterCard?

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.

People's Bank of Commerce Platinum Classic MasterCard has a variable purchase APR that ranges from 12.49% up to 21.49%. The card has a variable balance transfer APR that ranges from 12.49% up to 21.49%. It also has a variable cash advance APR that ranges from 17.49% up to 25.49%. Note that late payments are subject to an APR of 27.49% 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 People's Bank of Commerce Platinum Classic MasterCard have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.

People's Bank of Commerce Platinum Classic MasterCard Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 12.49% - 21.49%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 4%

Does People's Bank of Commerce Platinum Classic MasterCard 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 People's Bank of Commerce Platinum Classic MasterCard?

The following fees apply:

  • There is no overlimit fee
People's Bank of Commerce Platinum Classic MasterCard Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 3%
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 People's Bank of Commerce Platinum Classic MasterCard have a foreign transaction fee?

People's Bank of Commerce Platinum Classic MasterCard 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 People's Bank of Commerce Platinum Classic MasterCard?

The People's Bank of Commerce Platinum Classic MasterCard customer service number is .

What is the support contact email for People's Bank of Commerce Platinum Classic MasterCard?

The support contact email for People's Bank of Commerce Platinum Classic MasterCard is info@peoplesbank.bank.

What is the People's Bank of Commerce Platinum Classic MasterCard login page?

You can access the People's Bank of Commerce Platinum Classic MasterCard login page here.

How do people rate the customer service and user experience of People's Bank of Commerce Platinum Classic MasterCard?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does People's Bank of Commerce Platinum Classic MasterCard report your account activity to credit bureaus?

Yes, People's Bank of Commerce Platinum Classic MasterCard 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 People's Bank of Commerce Platinum Classic MasterCard

  • Visit the People's Bank of Commerce Platinum Classic MasterCard 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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:30am - 5:00pm
  • Tuesday 8:30am - 5:00pm
  • Wednesday 8:30am - 5:00pm
  • Thursday 8:30am - 5:00pm
  • Friday 8:30am - 6:00pm
  • Saturday Closed

Other Services by People's Bank of Commerce

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Availability

  Available in 1 state
Oregon
Availabile in all of Oregon

Feature Breakdown

Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $1
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Starting at $25
Late Fee Amount Up to $35
Customer Type Personal
Minimum Age 18
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 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Type No Rewards
Cash Advance APR (Variable APR) 17.49% - 25.49%
APR Type Variable APR
Penalty APR (Variable APR) 27.49%
Purchase APR (Variable APR) 12.49% - 21.49%
(Verified 10/26/2022)
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 12.49% - 21.49%
(Verified 10/26/2022)
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 4%
Card Type
  • Low Interest
Card Network Mastercard

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