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Up to 3%
Cash back
$0
Annual fee
0%
Intro purchase APR
for the first 12 months (then 15.99% to 22.99% variable)
0%
Intro balance transfer
for the first 12 months (then 15.99% to 22.99% variable)
Product Name | Bank of the West Cash Back World Mastercard® |
---|---|
Card type | Mastercard |
Annual fee | $0 |
Purchase APR | 0% intro for the first 12 months (then 15.99% to 22.99% variable) |
Balance transfer APR | 0% intro for the first 12 months (then 15.99% to 22.99% variable) |
Balance transfer fee | $10 or 4% of the transaction, whichever is greater |
Cash advance rate | 24.99% variable |
Cash advance fee | $10 or 4% of the cash advance amount, whichever is greater |
Foreign transaction fee | 3% of the transaction value |
Interest free period | Up to 25 days |
Late payment fee | Up to $38 |
Late payment fee conditions | Varies by state. |
Returned payment fee | Up to $38 |
Review by
Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.
The Bank of the West Cash Back World Mastercard® can be a solid card for those whose expenses revolve around dining, groceries and gas. It also offers a short intro APR period on purchases, which can be handy if you’re looking to make a large purchase and carry your balance.
However, Bank of the West only offers its cards to residents in a handful of states, so make sure you’re within its region before applying.
You should get an instant decision, though sometimes it may take up to 10 days if you need to send additional information. But not receiving an immediate reply doesn’t mean your application has been denied. To get a status update on your application, call 866-269-2327 and select option 6.
Once approved, expect your card to arrive within seven to 10 business days.
Where you spend: | The amount you spend: | Cash back earned: |
---|---|---|
Dining | $2,500 | $75 |
Gas | $2,000 | $60 |
Groceries | $3,000 | $90 |
Everything else | $7,000 | $70 |
Total | $14,500 | $295 |
If your annual spending looks similar to our example, you would earn $295 cash back. This total assumes you don’t spend over $1,500 on gas purchases during any one quarter.
You must be at least 18 years old and a resident in one of the 19 states where the Bank of the West operates to apply.
You also need to provide personal information, including your:
To increase your chances of approval, apply with a good to excellent credit score of 670 or higher. With a higher credit score you can get a lower APR and a higher credit line.
Customers who love the card are happy with the cashback rate they get on accelerated categories. The only frequent complaint about the card is the lack of signup bonus.
As of October 2020, Bank of the West is rated A- by the Better Business Bureau, but isn’t accredited yet. Most of the negative reviews on the BBB website cite poor customer service and issues with fraudulent charges.
Stay on top of your transaction history and report any fraudulent charges immediately to help reduce the hassle.
Cashback redemption with this card is automatic. Every quarter, Bank of the West transfers your rewards to your account as a statement credit.
Quarterly payouts are made on:
Wait up to five business days for the statement credit to post to your account.
If you mostly spend on groceries and dining, and gas up to $500 per month, you’ll find the Bank of the West Cash Back World Mastercard® to be a great addition to your wallet. You’ll earn a high cashback rate on these categories and get a short intro APR period on purchases without paying an annual fee.
But if you’re not sure it’s the right card for you, check out other cashback credit cards and compare your options.
Nonqualifying purchases include certain restaurants and cafes inside department or grocery stores, or warehouse clubs.
Nonqualifying purchases include purchases made at larger stores, such as warehouse clubs and drugstores.
Nonqualifying purchases include gas purchases made at superstores, supermarkets and truck stops.
Images: Bank of the West