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Standard MasterCard® Credit Card Platinum MasterCard® Credit Card Platinum Rewards MasterCard® Credit Card
Features & Benefits
  • The everyday card for everyday spending
  • 24/7 access with Online Banking
  • Receive all of the benefits of a Platinum credit card with a lower rate
  • 24/7 access with Online Banking
  • Receive all of the benefits of a Platinum credit card
  • 24/7 access with Online Banking
  • Get 1 reward Point for every $1 in qualifying purchases
  • Get unlimited reward Points with no expiration dates and no annual cap as long as your account remains open and in good standing
  • Claim and redeem points online for your choice of awards – gift cards, cash rebates, merchandise, travel, and unique experiences
Annual Fee
None. View Credit Card Pricing and Terms. None. View Credit Card Pricing and Terms. None. View Credit Card Pricing and Terms.
Introductory Purchase APR
0% 0% 0%
Introductory APR Period
First 6 months. First 6 months. First 6 months.
Standard Purchase and Balance Transfer APR
Prime + 17.74% currently 20.99% Prime +13.74% currently 16.99% Prime + 15.74% currently 18.99%
Security and Protection*
  • Free secondary Car Rental Collision Damage Waiver insurance
  • $100,000 free Travel Accident Insurance
  • Zero liability for unauthorized purchases
  • Photo ID option on your card
  • Free secondary Car Rental Collision Damage Waiver insurance
  • $100,000 free Travel Accident Insurance
  • Zero liability for unauthorized purchases
  • Photo ID option on your card
  • Coverage for lost or damaged luggage
  • Coverage for hotel/motel burglary
  • Emergency road service
  • Travel assistance services like information on travel requirements, a global referral network of medical professionals, and legal referrals or consultations
  • Free secondary Car Rental Collision Damage Waiver insurance
  • $100,000 free Travel Accident Insurance
  • Zero liability for unauthorized purchases
  • Photo ID option on your card
  • Coverage for lost or damaged luggage
  • Coverage for hotel/motel burglary
  • Emergency road service
  • Travel assistance services like information on travel requirements, a global referral network of medical professionals, and legal referrals or consultations

*For more information about Zero Liability protection, refer to www.MasterCard.us/zero-liability.html. Also, see additional protections contained in your Bank of the West Credit Card Account Agreement regarding Your Liability for Unauthorized Use and Billing Rights under the Fair Credit Billing Act. Limitations apply. Insurance is provided by insurance carriers indicated in your Guide to Benefits. Certain restrictions apply - please see your Guide to Benefits for details.

Points have no value except when claimed by the cardholder for redeeming an award. Values of awards, points required for an award, and awards offered may vary from time to time without notice. The Bank of the West Rewards Program is subject to the current Program Rules.

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