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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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Showing 5 Cards

Date Reviewed: June 14, 2019

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

Date Reviewed: June 14, 2019

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

Date Reviewed: June 14, 2019

Bank of the West Secured Credit Card

Bank of the West Secured Credit Card
  • Regular Purchase APR 20.99% variable based on the Prime Rate
  • Balance Transfer APR 20.99% 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: 20.99% variable based on the Prime Rate
  • Balance Transfer APR: 20.99% 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

Date Reviewed: June 14, 2019

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
  • Intro Purchase APR 0% for 6 months from account opening date
  • 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
  • Intro Purchase APR: 0% for 6 months from account opening date
  • 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
  • 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

Date Reviewed: June 13, 2019

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 6 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 6 months from account opening date
  • 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
  • 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

 

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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