FIND THE CREDIT CARD THAT'S RIGHT FOR YOU.

Enjoy competitive rates and get rewarded for your purchases.

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Secured MasterCard®

for new or rebuilding credit

The Secured MasterCard® is the right choice to keep your credit on-track. A deposit of $300-$12,000 into an interest-bearing savings account is held to secure your card. This amount, plus your income, determines your credit limit.*:

  • All the perks and privileges of being a MasterCard® cardholder
  • Receive consideration for other Bank of the West credit cards based on first-year payment history*
  • Worldwide acceptance and purchasing power
  • Enhanced security with chip card technology and Identity Theft Resolution Services
  • Zero Liability Protection allows you to enjoy peace of mind knowing that you won't be responsible for unauthorized transactions3

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Platinum MasterCard®

Bank of the West Platinum Mastercard

if you want lower rates

Get the enhanced security3 and other benefits of a Mastercard®, plus a competitive rate.

  • A better rate than many standard credit cards
  • 0% introductory APR on purchases for six months, then 15.24% - 23.24% variable APR afterwards
  • Enhanced security with chip card technology and Identity Theft Resolution Services
  • Zero Liability Protection allows you to enjoy peace of mind knowing that you won't be responsible for unauthorized transactions3

Learn more

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Platinum Rewards MasterCard®

Bank of the West Platinum Mastercard

if you like rewards points

An easy-to-use rewards card. It's as simple as a point for every dollar you spend!4

  • Unlimited points with no annual cap
  • Points never expire as long as your account remains open and in good standing — use your points when and how you want
  • No annual fee and 0% introductory APR on purchases for six months, then 16.24% - 23.24% variable APR afterwards
  • Enhanced security with chip card technology and Identity Theft Resolution Services
  • Zero Liability Protection allows you to enjoy peace of mind knowing that you won't be responsible for unauthorized transactions3

Learn more

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Cash Back MasterCard®

If you want Cash Back

Get cash back on your everyday spending and enjoy no annual fee. Learn more

Earn 3% Cash Back on gas1, groceries and dining and 1% Cash Back on all other qualifying purchases.

  • Unlimited Cash Back with no annual cap 
  • Cash Back is automatically credited to your account quarterly2
  • No annual fee and 0% Introductory APR for six months, then 16.24% - 23.24% variable APR afterwards
  • Enhanced security with chip card technology and Identity Theft Resolution Services
  • Zero Liability Protection allows you to enjoy peace of mind knowing that you won't be responsible for unauthorized transactions3

Learn more

View Important Disclosures

With our Bank of the West MasterCard® Credit Cards, you'll enjoy competitive benefits, rates and limits along with top-notch customer service.

  • Make purchases at millions of locations worldwide, wherever MasterCard® is accepted.
  • Enjoy peace of mind — we're committed to keeping your card safe and secure.
  • Manage your card anytime with Bank of the West's convenient and easy Online Banking site, available 24/7.

If you still have questions or want to apply by phone or in-person, call (866) 269-2327, TTY 1-800-659-5495 or visit your local branch.

*Credit cards subject to credit approval. Certain fees and restrictions may apply.

1Cash back rewards are based on Net Purchases (qualifying purchases less credit, returns, and adjustments). 1% base Cash Back for every $1 of net purchases. Eligible merchants for the 3% bonus categories (2% Bonus Cash Back on top of the 1% Base Cash Back) include: a groceries (representing grocery stores/supermarkets, freezer/meat provisioner, miscellaneous food stores, bakeries, and candy/nut/confection stores); (b) Dining (representing eating place restaurants, bars, lounges and fast food restaurants); (c) Gas (representing service stations and automated fuel dispensers). After $1,500 is spent on gas purchases each calendar quarter, you go back to earning 1% Base Cash Back. The Bank of the West Cash Back Rewards Program is subject to the current Cash Back Rewards Program Rules

2Cash Back payouts are scheduled quarterly; only accounts that make qualifying purchases and in good standing will receive Cash Back statement credit. "Good standing" means not closed, not credit revoked, not in bankruptcy, not in charge-off, not cancelled, or not terminated by either party.

3For 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 at www.mastercard.com/credit-gtb for details.

4Reward Points are awarded only on net, new purchases (purchases minus any returns or adjustments). Balance transfers, cash advances, convenience checks, interest charges, and any kind of fees charged to the account do not count as purchases. You can get and redeem Points as long as your account remains open and in good standing. 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 Rewards Program Rules.

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