People's Bank of Commerce Platinum Preferred MasterCard
in Personal Credit Cards from People's Bank of Commerce
UnaffiliatedPeople's Bank of Commerce Platinum Preferred MasterCard
in Personal Credit Cards from People's Bank of Commerce
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| 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 |
People's Bank of Commerce Platinum Preferred MasterCard Review
This is a rewards credit card issued by People's Bank of Commerce. If you're wondering whether People's Bank of Commerce Platinum Preferred MasterCard 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. People's Bank of Commerce Platinum Preferred MasterCard 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 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. People's Bank of Commerce Platinum Preferred 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 650.
| The Good | The Bad |
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Does People's Bank of Commerce Platinum Preferred MasterCard have a cash back or rewards program?
People's Bank of Commerce Platinum Preferred MasterCard is a rewards card.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
Does People's Bank of Commerce Platinum Preferred MasterCard have a signup bonus?
This card doesn't offer a cash signup bonus.Does People's Bank of Commerce Platinum Preferred MasterCard offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the People's Bank of Commerce Platinum Preferred 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 Preferred 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. 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 People's Bank of Commerce Platinum Preferred MasterCard 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.
| 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 People's Bank of Commerce Platinum Preferred 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 Preferred MasterCard?
The following fees apply:
- There is no overlimit fee
| 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 rewards card.
Does People's Bank of Commerce Platinum Preferred MasterCard have a foreign transaction fee?
People's Bank of Commerce Platinum Preferred 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.Does People's Bank of Commerce Platinum Preferred MasterCard report your account activity to credit bureaus?
Yes, People's Bank of Commerce Platinum Preferred 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 Preferred MasterCard
- Visit the People's Bank of Commerce Platinum Preferred 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.
Contact
- Headquarters
-
1528 Biddle Road
Medford, OR 97504 - Visit Site
Other Services by People's Bank of Commerce
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- 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 | $10 |
| Cash Advance Fee (%) | Starting at 5% |
| Minimum Cash Advance Fee ($) | Starting at $10 |
| Foreign Currency Transaction Fee | 3% |
| Minimum Interest Charge | $1 |
| Returned Payment Fee | Starting at $25 |
| Late Fee Amount | Up to $35 |
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