Platinum Rewards MasterCard®

Bank of the West Platinum Mastercard

Get reward points easily on every qualifying purchase, plus all the enhanced Platinum benefits.


  • Choose from rewards like gift cards, merchandise, travel, and unique experiences
  • Get cash rebates as well
  • One reward point for every $1 in qualifying purchases1
  • Unlimited reward points with no expiration dates and no annual cap as long as your account remains open and in good standing
  • Travel on most domestic and international airlines with no blackout dates
  • Claim and redeem points easily, online or by phone
  • Browse the awards catalog on for your choice of awards

Rates & Fees


  • All the enhanced security and protection benefits of Platinum including Zero Liability,2 Price Protection3 and Identity Theft Resolution4
  • Use anywhere MasterCard® is accepted worldwide
  • 24/7 access to Online Banking — access your credit accounts online anytime

New Enhanced-Security Chip Cards Are Coming

Bank of the West will begin issuing chip credit cards in January for a safer way to pay. Learn more

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

1Reward 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.

2For more information about Zero Liability protection, refer to 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 for details.

3Up to $250 per claim and four claims per 12-month period

4Certain exclusions and limitations may apply. For full terms and conditions, please refer to the MasterCard Guide to Benefits for Credit Card Holders at

MasterCard and the MasterCard Brand Mark are registered trademarks

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.