Preloader Image 1 Preloader Image 2

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


  • 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


  • 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%


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.


  • 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

Did you like this card? Click on the button below and get yours right now.