Bank of the West Cash Back MasterCard review

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Advertiser Disclosure

Interest Rate: Purchases
18.24 ‐ 25.24% (0% for the first 6 months)
Balance Transfer
18.24 ‐ 25.24%
Rewards
1 - 3% cashback
Signup Bonus
-


Am I eligible?


Bank of the West Cash Back MasterCard is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Doctor Of Credit

Using it for every day purchases doesn’t make sense as 1% is easily beat. It’s also important to remember that this card doesn’t come with a sign up bonus. If you already have a 2% cash back card, then this basically just gives you an extra 1% in specific categories. One of the things I do like abou...

- William Charles, Doctor Of Credit

Details


Interest Rates
Regular APR Interest Rate 18.24% ‐ 25.24% (0% for the first 6 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 18.24% ‐ 25.24%

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 27.24%

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 4%

Minimum of $10

Cash Advance Fee 4%

Minimum of $10

Foreign Transaction Fee 3%

Of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $38.00

Maximum

Promotions
Sign up bonus No
Rewards
All Purchases 1% cash back
Restaurants 3% cash back
Gas 3% cash back
Groceries 3% cash back
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service Yes
Price Protection Yes
Fraud Protection Yes
Free Credit Scores No
Wireless Payments No
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


Doctor Of Credit

For the majority of people this card just doesn’t make sense

from Doctor Of Credit

Using it for every day purchases doesn’t make sense as 1% is easily beat. It’s also important to remember that this card doesn’t come with a sign up bonus. If you already have a 2% cash back card, then this basically just gives you an extra 1% in specific categories. One of the things I d...More

Using it for every day purchases doesn’t make sense as 1% is easily beat. It’s also important to remember that this card doesn’t come with a sign up bonus. If you already have a 2% cash back card, then this basically just gives you an extra 1% in specific categories. One of the things I do like about this card is the fact that you get your cash back on a quarterly basis without having to meet a minimum threshold level.

Read full review

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