Bank of the West Secured Credit Card offers you a great way to improve your credit.


See Pricing Terms and Conditions

Guide to Benefits

Enjoy these card benefits:

  • No credit history or minimum credit score needed to qualify
  • Credit limit is set by your deposit into an interest bearing savings account
  • An opening deposit of $300 to $12,000 secures your card
  • Build credit with on time payments, paving the way to becoming eligible for a standard credit card
  • Pay-off and close the account at any time and get your entire deposit back with interest
  • Variable APR, currently 22.74%
  • $25 annual fee

SecureSuite™ protects you with:

  • 24/7 fraud monitoring
  • Identity theft resolution
  • Zero liability for unauthorized purchases1
  • Emergency card replacement

Manage your card online 24/7

  • Temporarily lock and unlock your card
  • Set travel alerts
  • View your statements
  • Activate your card
  • Order a replacement card
  • Change your PIN
  • Make a balance transfer
  • Dispute a transaction
  • Learn more

What you need to apply

  • Deposit of $300-$12,000 to secure your limit
  • Social Security number
  • Gross income (if applicable)
  • Employer name (if applicable)
  • Rent/mortgage amount

What to do next

Visit your local branch to apply for the Secured Credit Card and open a Bank of the West Savings Account with the desired amount to set your credit limit.

Apply at a branch

Convenient online card management

Manage your credit card with your mobile phone, tablet or computer. Learn more

Already have a Bank of the West Credit Card?

Log in to manage your card or make an online payment.

It’s an easy way for you to save a little extra

Our Classic Savings account offers our lowest opening deposit and more. Learn more

Legal information and Disclosures

1 For 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.

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