EARN UP TO 3% CASH BACK FOR YOUR EVERYDAY SPENDING

Cash Back MasterCard®

Unlimited Cash Back on everyday purchases. No hassles! Cash Back is automatically applied quarterly1 as a statement credit to your account.

What You Get

  • 3% cash back on groceries, dining and gas purchases2
  • 1% cash back on all other purchases2
  • Cash Back is automatically applied quarterlyas a statement credit to your account

Rates & Fees

Features

  • Worldwide MasterCard® acceptance
  • 24/7 Online Banking access — access your credit accounts online anytime

Benefits

  • Enhanced security and protection benefits including Zero Liability Protection3, Price Protection4 and Identity Theft Resolution5
  • Chip technology makes chip cards extremely difficult to counterfeit

* Credit cards subject to credit approval. Certain fees and restrictions may apply. Refer to Cash Back Rewards Program Rules for more details about qualifying purchases that earn Cash Back.

1Cash 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.

2Cash 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.

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.

4Up to $250 per claim and four claims per 12-month period

5Certain exclusions and limitations may apply. For full terms and conditions, please refer to the MasterCard Guide to Benefits for Credit Card Holders at www.mastercard.com/credit-gtb.

MasterCard and the MasterCard Brand Mark are registered trademarks

Cash Back Rewards have no cash or any other value until it is paid out as a statement credit to your Account. The Bank of the West Cash Back Rewards Program is subject to the current Cash Back Rewards Program Rules.

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