
Bank of the West Secured MasterCard
in Personal Credit Cards from Bank of the West
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Purchase APR (Variable APR) | 21.99% |
Balance Transfer APR (Variable APR) | 21.99% |
Credit Score Range | 350 - 600 |
Annual Fee | $25 |
Bank of the West Secured MasterCard Review
Bank of the West Secured MasterCard is a secured credit card 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. This is everything you need to know to make a good choice.
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 21.99%
- 4% Balance transfer fee. Bank of the West Secured MasterCard charges a fee of up to 4% on balance transfers. For example, a balance of $1,000 could cost up to $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.
- Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
- Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.
The Good | The Bad |
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Is there a Bank of the West Secured MasterCard cash back or rewards program?
No, Bank of the West Secured MasterCard does not offer a rewards program.
What are the Bank of the West Secured MasterCard benefits?
Bank of the West Secured MasterCard provides the following benefits:
- 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Bank of the West Secured MasterCard has higher than average purchase APRs.Bank of the West Secured MasterCard has a variable purchase APR of 21.99%. The card has a variable balance transfer APR of 21.99% . 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 Secured MasterCard have an introductory APR offer on balance transfers?
No, Bank of the West Secured MasterCard does not come with an introductory APR offer for balance transfers.Does Bank of the West Secured MasterCard have an introductory APR offer on new purchases?
Bank of the West Secured MasterCard does not offer an introductory rate on new purchases.Description |
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What are the fees for Bank of the West Secured MasterCard?
The following fees apply to Bank of the West Secured MasterCard:
Fees | Amount |
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Annual Fee | $25 |
Foreign Transaction Fee | 3% |
Returned Payment Fee | up to $38 |
Late Payment Fee | up to $38 |
Does Bank of the West Secured MasterCard have a foreign transaction fee?
Bank of the West Secured 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 Secured MasterCard report your account activity to credit bureaus?
Yes, Bank of the West Secured 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 Secured MasterCard
- Visit the Bank of the West Secured 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
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180 Montgomery Street
San Francisco, CA 94104 - 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 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% |
Annual Fee | $25 |
Minimum Interest Charge | $1 |
Returned Payment Fee | Up to $38 |
Late Fee Amount | Up to $38 |
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