Last Updated: 07/28/2025
Bank of the West Secured MasterCard
Unaffiliated
in Credit Cards from Bank of the West
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
24.99%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
24.99%(Verified 06/21/2024)
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Credit Score Range
350 - 600
Annual Fee
$25
Bank of the West Secured MasterCard Review
This is a secured credit card issued by Bank of the West. If you're wondering whether Bank of the West Secured MasterCard is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 24.99%
- A 4% balance transfer fee. Bank of the West Secured 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 up to 3% every time you make a transaction outside the U.S.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Bank of the West Secured MasterCard
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Bank of the West Secured MasterCard FAQ
Does Bank of the West Secured MasterCard have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Bank of the West Secured MasterCard?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Bank of the West Secured MasterCard has a variable purchase APR of 24.99%. The card has a variable balance transfer APR of 24.99% . It also has a variable cash advance APR of 27.99% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Bank of the West Secured MasterCard have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Bank of the West Secured 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 Secured MasterCard?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 4% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $25.
Does Bank of the West Secured MasterCard have a foreign transaction fee?
Bank of the West Secured MasterCard charges a foreign transaction fee of up to 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 Secured MasterCard?
The customer service number for Bank of the West Secured MasterCard is (800) 488-2265.
What is the support contact email for Bank of the West Secured MasterCard?
The support contact email for Bank of the West Secured MasterCard is social@bankofthewest.com.
What is the login page for Bank of the West Secured MasterCard?
You can access the login page of Bank of the West Secured MasterCard here.
How do people rate the customer service and user experience of Bank of the West Secured MasterCard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Bank of the West Secured MasterCard report your account activity to credit bureaus?
Yes, Bank of the West Secured MasterCard reports to the following credit bureaus:
- 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 build your credit.
Does Bank of the West perform a hard credit pull?
Yes, Bank of the West Secured MasterCard performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Bank of the West Secured MasterCard
- Visit the website of Bank of the West Secured MasterCard.
- 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.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
9:00AM - 12:00PM