Bank of the West Cash Back World Mastercard® Card: review

Unlike other cards which require a minimum balance to be reached before cash back rewards are activated, the Cash Back World Mastercard® automatically credits cash back rewards to the cardholder’s account each quarter as a statement credit.

Moreover, Bank of the West offers a suite of online banking options and security protections, including 24/7 fraud monitoring, identity theft resolution, and zero liability to the cardholder for any fraudulent transactions.

And if it could get better, this card has no annual fee and a 0% intro APR for the first 12 months.

Pros & Cons

Pros

• 0% APR for 12 months on Purchases and Balance Transfers, then 15.99% – 22.99% variable APR*
• Concierge and travel services
• Redeem your Cash Back Rewards at any time in increments of $25 for a statement credit or direct deposit to any checking or savings account

Cons

• Only available to those who reside in the following U.S. states: Arizona, California, Colorado, Idaho, Louisiana, Kansas, Minnesota, Missouri, Nebraska, Nevada, New Mexico, North Dakota, Oklahoma, Oregon, South Dakota, Utah, Washington, Wisconsin, and Wyoming.
• There is a cap on Gas spending

Rates, fees & offers

• Annual fee: $0
• Rewards rate: 1%-3%
• Bonus offer: None
• Intro APR: 0% intro APR on Purchases and Balance Transfers for 12 months
• Ongoing APR
  APR: 15.99% – 22.99% Variable APR
  Cash Advance APR: 24.99%, Variable
• Balance transfer fee: 4%
• Foreign transaction fee: 3%

Review

High cash back potencial

It’s not easy to find a card that offers unlimited 3% cash back on most of your everyday purchases.

Fortunately, this card pays unlimited 3% cash back on purchases at restaurants (including fast food and bars) and grocery stores. Moreover, with the Bank of the West Cash Back World Mastercard® Card,  you earn 1% cash back on all other types of purchases, such as at gas stations.

SecureSuite™

• 24/7 fraud monitoring
• Identity theft resolution
• Zero liability for unauthorized transactions
• 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

How to request this card

Applying for a credit card is very simple and you can do it through the app or website. But you need:

• Social Security Number
• Gross income
• Employer name (if applicable)
• Rent/mortgage amount

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