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Bank of the West Cash Back World MasterCard®
Bank of the West Cash Back World MasterCard®
- 20.99% to 27.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.99% to 27.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 15 months from account opening date Intro Purchase APR
At a Glance
The Bank of the West Cash Back World Mastercard® offers cardholders ample cash back rewards and features no annual fee. Cardholders can earn 3% cash back on grocery, dining, and gas purchases and 1% cash back on all other purchases.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 3% cash back on dining, gas, and groceries up to $1,500
- 1% cash back back on all other purchases
- 0% intro APR on purchases for the first 6 months
- No annual fee
- Intro Purchase APR: 0% for 15 months from account opening date
- Regular Purchase APR: 20.99% to 27.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 15 months from account opening date
- Balance Transfer APR: 20.99% to 27.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You regularly use your credit card for everyday purchases
- You want solid cash back rewards with no annual fee
- You’re looking for a card with online account management
- You live in a state eligible for Bank of the West credit cards
Bank of the West Platinum Mastercard®
Bank of the West Platinum Mastercard®
- 19.99% to 27.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.99% to 27.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The Bank of the West Platinum Mastercard® offers cardholders no annual fees and a 0% introductory APR for the first 21 months, followed by a BT APR generally lower than other comparable cards – depending on both creditworthiness and the Prime Rate. The card is a solid choice for those who regularly carry a balance on their account.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Features lower interest rates than other similar cards
- No annual fee
- Ideal for carrying a balance
- 0% intro APR for the first 21 months for Balance Transfers
- Regular Purchase APR: 19.99% to 27.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for the first 21 months
- Balance Transfer APR: 19.99% to 27.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You have excellent credit and want a lower-than-average APR
- You regularly carry a balance
- You’re looking for a card with online account management
- You live in a state eligible for Bank of the West credit cards
Bank of the West Secured Credit Card
Bank of the West Secured Credit Card
- 26.99% variable based on the Prime Rate Regular Purchase APR
- 26.99% variable based on the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Bank of the West Secured credit card offers cardholders the opportunity to build their credit through regular and on-time payments. An initial deposit of at least $300 secures a line of credit with a variable APR based on the Prime Rate.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No credit history or minimum credit score needed to qualify
- Credit limit is set by the amount deposited into an interest-earning savings account
- $25 annual fee
- Ability to help build credit with on-time payments
- Regular Purchase APR: 26.99% variable based on the Prime Rate
- Balance Transfer APR: 26.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Annual Fee: $25
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- Minimum Deposit Required: $300
- You want to establish your credit history
- You have a poor credit history and are looking got rebuild your credit score
- You’re looking for a secured card with online account management and protections
- You live in a state eligible for Bank of the West credit cards
Bank of the West Business Rewards Mastercard®
Bank of the West Business Rewards Mastercard®
- 18.99% variable based on the Prime Rate Regular Purchase APR
- 18.99% variable based on the Prime Rate Balance Transfer APR
- 27.99% variable based on the Prime Rate Cash Advance APR
- 0% for 9 months from account opening date Intro Purchase APR
At a Glance
The Bank of the West Business Rewards Mastercard® provides businesses with a generous rewards plan, simplified transaction tracking with both Quicken® and QuickBooks™ integration, and hassle-free purchase protections and security with Zero Liability Protection.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 0% intro APR for the first 9 months
- 2X points per dollar spent on all purchases
- Up to 25% in automatic rebates on gas, dining, car rentals, and more
- Car rental collision damage waver insurance
- Extended warranty
- Purchase assurance
- Intro Purchase APR: 0% for 9 months from account opening date
- Regular Purchase APR: 18.99% variable based on the Prime Rate
- Balance Transfer APR: 18.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 27.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You’re a business owner who makes frequent purchases
- You have employees who regularly travel for work
- You’re looking for a rewards card that easily integrates with accounting software
- You want to earn solid rewards for everyday business purchases
Bank of the West Business Mastercard®
Bank of the West Business Mastercard®
- 16.99% variable based on the Prime Rate Regular Purchase APR
- 16.99% variable based on the Prime Rate Balance Transfer APR
- 27.99% variable based on the Prime Rate Cash Advance APR
- 0% for 12 months from account opening date Intro Purchase APR
At a Glance
The Bank of the West Business Mastercard® provides businesses with a lower interest rate than other similar cards, simplified transaction tracking with easy integration with Quicken® and QuickBooks™, and hassle-free purchase assurances with Zero Liability Protection.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- 0% introductory APR for the first 12 months after opening account
- Simplified transaction tracking with Quicken® and Quickbooks™
- Get up to 25% in automatic rebates on gas, dining, hotels, car rentals, and more with MasterCard Easy Savings®
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 16.99% variable based on the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months from account opening date
- Balance Transfer APR: 16.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 27.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. Dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You’re a business owner who makes frequent purchases
- You have employees who regularly use company credit cards for everyday business expenses
- You’re looking for a rewards card that easily integrates with accounting software
- You want a lower interest rate than other business credit cards
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Bank of the West designs its cards for a variety of credit scores. Most cards from the issuer are ideal for those with good to excellent credit scores. The bank does, however, also issue a secured credit card. The Bank of the West Secured Credit Card provides an excellent resource for rebuilding bad credit. This value, though, does come with a minimum deposit of $300. That deposit is higher than offers found with other credit card issuers, particularly OpenSky and Green Dot Bank.
Bank of the West Rewards
Particular Bank of the West credit cards earn rewards with eligible purchases. Rewards are redeemable towards options like travel, merchandise, gift cards, and cash back. Cash back takes the form of statement credits or direct deposits. The bank, however, limits cash back awards to increments of $25, meaning cardholders may struggle to redeem all of their rewards.
Bank of the West rewards don’t expire if the account is open and in good standing.
Bank of the West Branch Locations
Bank of the West operates over 600 branches in the states it operates in. These 600 locations include:
Browse Bank of the West Credit Cards and Find Your Best Card
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