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  Bank of the West Cash Back World MasterCard

Bank of the West Cash Back World MasterCard

in Personal Credit Cards from Bank of the West

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Bank of the West Cash Back World MasterCard

Unaffiliated

in Personal Credit Cards from Bank of the West

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Highlights
Purchase APR  (Variable APR) 15.99% - 22.99%
Balance Transfer APR  (Variable APR) 15.99% - 22.99%
Credit Score Range 650 - 850
Annual Fee $0

Bank of the West Cash Back World MasterCard Review

Bank of the West Cash Back World MasterCard is a cashback credit card issued by Bank of the West. If you're wondering whether Bank of the West Cash Back World MasterCard is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
  • Competitive APRs. Bank of the West Cash Back World MasterCard has a variable purchase APR that ranges from 15.99% up to 22.99%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
  • 4% Balance transfer fee. Bank of the West Cash Back World MasterCard charges a fee of 4% on balance transfers. For example, a balance of $1,000 could cost $40 in transfer fees. The minimum fee is $10.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, identity theft protection, travel assistance, and fraud protection.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.
Bank of the West Cash Back World MasterCard Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR on new purchases during the first 12 months.
  • No annual fee.
  • Multiple credit card perks.
  • Access to a concierge.
  • Identity Theft Protection.
  • Travel assistance insurance
  • Bank of the West Cash Back World MasterCard reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Charges a 4% balance transfer fee.
Bank of the West Cash Back World MasterCard FAQ

Is there a Bank of the West Cash Back World MasterCard cash back or rewards program?

No, Bank of the West Cash Back World MasterCard does not offer a rewards program. Bank of the West Cash Back World MasterCard is a cashback card. This means you earn a percentage of your purchase as a cash reward.

What are the Bank of the West Cash Back World MasterCard benefits?

Bank of the West Cash Back World MasterCard provides the following benefits:

  • Zero fraud liability
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Bank of the West Cash Back World MasterCard?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Bank of the West Cash Back World MasterCard has lower than average purchase APRs.

Bank of the West Cash Back World MasterCard has a variable purchase APR that ranges from 15.99% up to 22.99%. The card has a variable balance transfer APR that ranges from 15.99% up to 22.99%. It also has a variable cash advance APR of 24.99% .

The good news is this card does not charge a penalty APR if you are late on a payment.

Does Bank of the West Cash Back World MasterCard have an introductory APR offer on balance transfers?

No, Bank of the West Cash Back World MasterCard does not come with an introductory APR offer for balance transfers.

Does Bank of the West Cash Back World MasterCard have an introductory APR offer on new purchases?

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 12 months.

Bank of the West Cash Back World MasterCard Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 12 months

What are the fees for Bank of the West Cash Back World MasterCard?

The following fees apply to Bank of the West Cash Back World MasterCard:

Bank of the West Cash Back World MasterCard Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $38
Late Payment Fee up to $38

Does Bank of the West Cash Back World MasterCard have a foreign transaction fee?

Bank of the West Cash Back World MasterCard charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Does Bank of the West Cash Back World MasterCard report your account activity to credit bureaus?

Yes, Bank of the West Cash Back World MasterCard reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Bank of the West Cash Back World MasterCard

  • Visit the Bank of the West Cash Back World MasterCard website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 4%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $1
Returned Payment Fee Up to $38
Late Fee Amount Up to $38
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Concierge
  • Fraud Liability
  • Identity Theft Protection
  • Travel Assistance
Rewards Rates
  • Every Purchase
  • Restaurants
  • Groceries
  • Gas
Cash Advance APR (Variable APR) 24.99%
Balance Computation “average daily balance (including new purchases).”
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 15.99% - 22.99%
Balance Transfer APR (Variable APR) 15.99% - 22.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 4%
Card Type
  • Cashback
Card Network Mastercard

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