Bank of the West Credit Cards

Bank of the West is a leading bank and credit card issuer that offers both personal and business credit cards, as well as financial tools for easy everyday banking. Bank of the West’s products are rich on rewards and target customers with strong credit histories. Browse cards issued by this issuer below.

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Bank of the West Business Mastercard®

Bank of the West Business Mastercard®
  • Regular Purchase APR 11.99% variable based on the Prime Rate
  • Balance Transfer APR 11.99% variable based on the Prime Rate
  • Cash Advance APR 22.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 12 months from account opening date
  • Processing Network Mastercard
Best Benefits
  • 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®
Rates & Fees
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 11.99% variable based on the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 11.99% 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: 22.99% 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 $38
  • Return Payment Penalty Fee: Up to $38
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Bank of the West Business Rewards Mastercard®

Bank of the West Business Rewards Mastercard®
  • Regular Purchase APR 13.99% variable based on the Prime Rate
  • Balance Transfer APR 13.99% variable based on the Prime Rate
  • Cash Advance APR 22.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 9 months from account opening date
  • Processing Network Mastercard
Best Benefits
  • 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
  • Issue additional cards for employees at no cost
  • Car rental collision damage waver insurance
  • Extended warranty
  • Purchase assurance
Rates & Fees
  • Intro Purchase APR: 0% for 9 months from account opening date
  • Regular Purchase APR: 13.99% variable based on the Prime Rate
  • Balance Transfer APR: 13.99% 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: 22.99% 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 $38
  • Return Payment Penalty Fee: Up to $38
Credit Card Deals
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33% + Extra 10% off Hotel Stays Longer Than 7 Nights. OYO Hotels Offer Expires on Dec 12, 2021 See Details
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Bundle Sale: Get 35% off Tuffy Stereo Security Console and $75 off Alpine Radio. Morris 4x4 Offer Expires on Dec 12, 2050 See Details
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Bank of the West Secured Credit Card

Bank of the West Secured Credit Card
  • Regular Purchase APR 21.99% variable based on the Prime Rate
  • Balance Transfer APR 21.99% variable based on the Prime Rate
  • Cash Advance APR 24.99% variable based on the Prime Rate
  • Annual Fee $25
  • Credit Needed Poor , No Credit Required
  • Processing Network Mastercard
Best Benefits
  • 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
Rates & Fees
  • Regular Purchase APR: 21.99% variable based on the Prime Rate
  • Balance Transfer APR: 21.99% 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: 24.99% 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 $38
  • Return Payment Penalty Fee: Up to $38
  • Minimum Deposit Required: $300
Credit Card Deals
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Over 150,000 hotels in top destinations. Book now! Reservations.com Offer Expires on Jan 01, 2023 See Details
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33% + Extra 10% off Hotel Stays Longer Than 7 Nights. OYO Hotels Offer Expires on Dec 12, 2021 See Details
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Bundle Sale: Get 35% off Tuffy Stereo Security Console and $75 off Alpine Radio. Morris 4x4 Offer Expires on Dec 12, 2050 See Details
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FREE Shipping and returns with any MOLECULE purchase. MOLECULE Offer Expires on Jan 01, 2099 See Details
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New Customers Offer - 15% off Your First Order of Contacts Plus Free shipping. Coastal.com Offer Expires on Jun 06, 2025 See Details
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50% off Starter Kits. Candid Offer Expires on Dec 12, 2050 See Details
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Shop New Textbooks with Free Shipping! AbeBooks Offer Expires on Jan 01, 2099 See Details
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Special Offer 49% Off an Annual Membership! Receive 12-Months for Only $59.95! ABCmouse.com Offer Expires on Jan 01, 2099 See Details
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Bank of the West Platinum Mastercard®

Bank of the West Platinum Mastercard®
  • Regular Purchase APR 14.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 14.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 24.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • Features lower interest rates than other similar cards
  • No annual fee
  • Ideal for carrying a balance
  • 0% intro APR for the first 6 months
Rates & Fees
  • Regular Purchase APR: 14.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for the first 15 months
  • Balance Transfer APR: 14.99% to 22.99% 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: 24.99% 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 $38
  • Return Payment Penalty Fee: Up to $38
Credit Card Deals
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Over 150,000 hotels in top destinations. Book now! Reservations.com Offer Expires on Jan 01, 2023 See Details
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33% + Extra 10% off Hotel Stays Longer Than 7 Nights. OYO Hotels Offer Expires on Dec 12, 2021 See Details
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Bundle Sale: Get 35% off Tuffy Stereo Security Console and $75 off Alpine Radio. Morris 4x4 Offer Expires on Dec 12, 2050 See Details
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FREE Shipping and returns with any MOLECULE purchase. MOLECULE Offer Expires on Jan 01, 2099 See Details
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New Customers Offer - 15% off Your First Order of Contacts Plus Free shipping. Coastal.com Offer Expires on Jun 06, 2025 See Details
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50% off Starter Kits. Candid Offer Expires on Dec 12, 2050 See Details
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Shop New Textbooks with Free Shipping! AbeBooks Offer Expires on Jan 01, 2099 See Details
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Special Offer 49% Off an Annual Membership! Receive 12-Months for Only $59.95! ABCmouse.com Offer Expires on Jan 01, 2099 See Details
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Save 5% AVIS Offer Expires on Dec 12, 2030 See Details
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Save 5% Budget Offer Expires on Dec 12, 2030 See Details

Bank of the West Cash Back World MasterCard®

Bank of the West Cash Back World MasterCard®
  • Regular Purchase APR 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 24.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 12 months from account opening date
  • Processing Network Mastercard
Best Benefits
  • 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
Rates & Fees
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 15.99% to 22.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 15.99% to 22.99% 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: 24.99% 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 $38
  • Return Payment Penalty Fee: Up to $38
Credit Card Deals
card
Over 150,000 hotels in top destinations. Book now! Reservations.com Offer Expires on Jan 01, 2023 See Details
card
33% + Extra 10% off Hotel Stays Longer Than 7 Nights. OYO Hotels Offer Expires on Dec 12, 2021 See Details
card
Bundle Sale: Get 35% off Tuffy Stereo Security Console and $75 off Alpine Radio. Morris 4x4 Offer Expires on Dec 12, 2050 See Details
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FREE Shipping and returns with any MOLECULE purchase. MOLECULE Offer Expires on Jan 01, 2099 See Details
card
New Customers Offer - 15% off Your First Order of Contacts Plus Free shipping. Coastal.com Offer Expires on Jun 06, 2025 See Details
card
50% off Starter Kits. Candid Offer Expires on Dec 12, 2050 See Details
card
Shop New Textbooks with Free Shipping! AbeBooks Offer Expires on Jan 01, 2099 See Details
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Special Offer 49% Off an Annual Membership! Receive 12-Months for Only $59.95! ABCmouse.com Offer Expires on Jan 01, 2099 See Details
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Save 5% AVIS Offer Expires on Dec 12, 2030 See Details
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Save 5% Budget Offer Expires on Dec 12, 2030 See Details

Bank of the West Credit Cards

Bank of the West is a subsidiary of BNP Paribas. The bank is one of the leading financial institutions and credit card issuers in the Western United States.

Who Can Apply for Bank of the West Credit Cards?

As the name implies, Bank of the West is a financial institution that offers banking and credit card products to those in the Western United States. Residents of the following states can apply for Bank of the West credit cards:

  • Arizona
  • California
  • Colorado
  • Idaho
  • Iowa
  • Kansas
  • Minnesota
  • Missouri
  • Nebraska
  • Nevada
  • New Mexico
  • North Dakota
  • Oklahoma
  • Oregon
  • South Dakota
  • Utah
  • Washington
  • Wisconsin
  • Wyoming

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.

Browse Bank of the West Credit Cards and Find Your Best Card

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