Bank of the West Platinum MasterCard
in Personal Credit Cards from Bank of the West
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| Purchase APR (Variable APR) | 14.99% - 22.99% |
| Balance Transfer APR (Variable APR) | 14.99% - 22.99% |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
Bank of the West Platinum MasterCard Review
This is a credit card issued by Bank of the West. If you're wondering whether Bank of the West Platinum MasterCard is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
- Competitive APRs. Bank of the West Platinum MasterCard has a variable purchase APR that ranges from 14.99% up to 22.99%.
- No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
- 4% Balance transfer fee. Bank of the West Platinum 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.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
| The Good | The Bad |
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Does Bank of the West Platinum MasterCard have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Bank of the West Platinum MasterCard benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Bank of the West Platinum MasterCard?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.It has a variable purchase APR that ranges from 14.99% up to 22.99%. The card has a variable balance transfer APR that ranges from 14.99% 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 Platinum MasterCard have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 15 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 15 months |
| Balance Transfer APR | 14.99% - 22.99% |
| Balance Transfer Fee Minimum | $10 |
| Balance Transfer Fee % | 4% |
Does Bank of the West Platinum MasterCard have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Bank of the West Platinum MasterCard?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | up to $38 |
| Late Payment Fee | up to $38 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Bank of the West Platinum MasterCard have a foreign transaction fee?
Bank of the West Platinum 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 foreign transaction fees.What is the customer service phone number for Bank of the West Platinum MasterCard?
The Bank of the West Platinum MasterCard customer service number is (800) 488-2265.
Does Bank of the West Platinum MasterCard report your account activity to credit bureaus?
Yes, Bank of the West Platinum 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 Platinum MasterCard
- Visit the Bank of the West Platinum 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.
Contact
- Headquarters
-
180 Montgomery Street
San Francisco, CA 94104 - (800) 488-2265
- Visit Site
Other Services by Bank of the West
Availability
- 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
| 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 |
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