With so many larger financial institutions competing for credit card customers, it can be easy to overlook some of the hidden gems. If you live in an eligible state and are looking for a solid cash-back card, the Bank of the West Cash Back World Mastercard® Card could be a winner. Show
While there’s no sign-up bonus, the Bank of the West Cash Back World Mastercard® Card has a $0 annual fee, and its 3% cash-back categories cover many everyday purchases. 1. There are geographic limitationsWhile you don’t need to be a current Bank of the West account holder to apply for the Bank of the West Cash Back World Mastercard® Card, the card is available only to residents of 19 states. If you live in an eligible state but aren’t near a branch, you can apply for the card online. Full list of states where you can apply
2. High cash-back potential — but mind the capYou can earn unlimited 3% cash back on purchases at restaurants (including fast food and bars) and on grocery purchases. You can also earn 3% cash back on up to $1,500 spent at gas stations per quarter. All other purchases, including anything over the quarterly limit on gas stations, earns 1% cash back. The card isn't ideal for international purchases because of its 3% foreign transaction fee, but if much of your budget goes toward food right here in the U.S., you could stand to earn a lot of cash back. 3. Cash back is redeemable in $25 incrementsWith the Bank of the West Cash Back World Mastercard® Card, you can redeem cash back at any time as a statement credit or through direct deposit — but only in $25 increments. That can make it harder to actually use all the cash back you earn. For example, if you've earned $65 in cash back, you'll only be able to redeem $50 right away. 4. You can temporarily lock and unlock your cardIf you misplace your Bank of the West Cash Back World Mastercard® Card, you can keep it secure until you know for sure whether it was stolen by instantly locking or unlocking your card from your computer or phone. This is becoming a more common feature of credit and debit cards that lets you protect your card from theft or put your own spending on hold for a while. 5. There's a 0% intro APR period for purchasesThe Bank of the West Cash Back World Mastercard® Card offers this introductory APR: LIMITED TIME OFFER: 0% Introductory APR for 18 months on purchases and balance transfers, then 18.99%-25.99% Variable APR. It’s not the longest introductory APR period out there, but it does give you some time to pay off a large expense without paying interest. It doesn’t make a good balance transfer card, however, because any balance you transfer from another card will begin incurring interest immediately. See offers from Bank of the West below. Bank of the West Cash Back World Mastercard®
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Bank of the West Cash Back World Mastercard®
Credit Needed Excellent, Good
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Bank of the West Platinum Mastercard®
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Bank of the West Platinum Mastercard®
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What credit score do you need for Bank of the West?Bank of the West says it prefers credit scores of 600 or higher. Bank of the West requires at least two years of verifiable income to qualify.
What is the easiest card to get approved?The Credit One Visa Card is the easiest unsecured credit card to get. It is available to people with bad credit or no credit. Cardholders also earn 1% cash back on eligible purchases.
Which credit bureau does Bank of the West use?Yes, Bank of the West Line of Credit reports your account activity to the following credit reporting agencies: Equifax. Experian. Transunion.
Which bank gives credit card easily?1. HDFC Bank instant approval credit card. HDFC Bank credit cards are not only 100% secure, but they also provide instant activation and ownership.
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Bank of the West credit card pre approval
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