Bank of the West Cash Back Credit Card Review
0% intro for the first 15 months (and so 16.24% to 23.34% variable)
Buy APR
Details
- Features
- Fees
| Annual fee | $0 |
|---|---|
| Welcome offer | N/A |
| Rewards | 3% cash back on dining and groceries, 3% back on gas on up to $1,500 quarterly, and then 1% later that and on all other purchases |
| Purchase APR | 0% intro for the get-go 15 months (then 16.24% to 23.34% variable) |
| Balance transfer APR | 0% intro for the starting time 15 months (then 16.24% to 23.34% variable) |
| Minimum Credit Score | 670 |
| Issuer | Mastercard |
Review by
Kliment Dukovski
kliment.dukovski@findercrew.comKliment Dukovski is an investments writer who has written over 600 articles to aid readers find and compare the all-time financial options. Kliment has besides written on coin transfers, abode loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market place trading and cryptocurrencies.
Expert review
The Depository financial institution of the West Cash Back World Mastercard® can be a solid carte for those whose expenses circumduct around dining, groceries and gas. It also offers a brusk intro Apr period on purchases, which can exist handy if you're looking to make a large purchase and bear your balance. Limited time offer: 0% Intro APR for fifteen months on Purchases and Rest Transfers – Apply past September 30, 2021.
Still, Bank of the West merely offers its cards to residents in a handful of states, so make sure y'all're within its region before applying.
- Go to the Bank of the West website and select the Bank of the West Cash Back Globe Mastercard®.
- Click Use online.
- Fill up out the awarding form with your personal and financial information.
- Review your application and submit.
How long will information technology take to get my Banking company of the West Cash Dorsum World Mastercard®?
You should get an instant decision, though sometimes it may take up to 10 days if you need to send boosted data. But not receiving an immediate reply doesn't mean your application has been denied. To become a condition update on your application, phone call 866-269-2327 and select pick 6.
One time approved, await your card to make it inside vii to 10 business organisation days.
- Greenbacks back.
Earn 3% cash back on dining and groceries, and 3% back on gas upwards to $1,500 in purchases each quarter. After you lot reach the quarterly limit and on everything else you lot buy, you earn 1% dorsum.
- Intro APR menses on purchases.
Relish a 0% APR intro menses on purchases during the first 15 months of carte du jour membership – Apply past September xxx, 2021. Once the intro period passes, your charge per unit reverts to a variable sixteen.24% to 23.34%.
- No annual fee.
Get all the perks and benefits this card offers without paying an almanac fee.
How much cashback rewards tin I earn with the Bank of the West Cash Back World Mastercard®?
| Where you spend: | The amount you spend: | Cash back earned: |
|---|---|---|
| Dining | $2,500 | $75 |
| Gas | $2,000 | $60 |
| Groceries | $3,000 | $90 |
| Everything else | $vii,000 | $70 |
| Full | $14,500 | $295 |
If your annual spending looks like to our example, you would earn $295 cash back. This total assumes yous don't spend over $1,500 on gas purchases during whatsoever i quarter.
- No penalty APR.
If you're late on a payment, y'all won't pay a penalty APR — other cards tin charge upward to 31% that last indefinitely. Notwithstanding, you are responsible for a $38 fee for tardily payments.
- Security and protection benefits.
Get aught liability for unauthorized transactions, upwards to $250 price protection every twelvemonth and identity theft resolution services.
- Mastercard concierge service.
Become assistance arranging entertainment or sports tickets, getting a reservation at an uptown restaurant or you need travel data with Mastercard concierge service.
- Foreign transaction fee.
This may not be a solid card for traveling. Information technology comes with a 3% fee of each transaction made abroad and at foreign websites.
Y'all must exist at to the lowest degree xviii years one-time and a resident in one of the xix states where the Bank of the Westward operates to apply.
You as well need to provide personal information, including your:
- Name, residential accost and contact information.
- Date of birth and Social Security number.
- Employment data and income.
List of states the Bank of the West operates in
- Arizona
- California
- Colorado
- Idaho
- Iowa
- Kansas
- Minnesota
- Missouri
- Nebraska
- New Mexico
- Nevada
- North Dakota
- Oklahoma
- Oregon
- S Dakota
- Utah
- Washington
- Wisconsin
- Wyoming
What credit score practise I need?
To increase your chances of blessing, apply with a adept to fantabulous credit score of 670 or higher. With a higher credit score you can go a lower April and a higher credit line.
Customers who honey the card are happy with the cashback rate they get on accelerated categories. The merely frequent complaint about the bill of fare is the lack of signup bonus.
As of August 2021, Bank of the West is rated A+ by the Ameliorate Business Bureau, simply is not accredited yet. Most of the negative reviews on the BBB website cite poor customer service and issues with fraudulent charges.
Stay on acme of your transaction history and report whatsoever fraudulent charges immediately to help reduce the hassle.
- Download Banking concern of the Westward Mobile app. Use the app to actuate your card, monitor your account, to ship money in the United states and to pay your bills. You can also find ATMs nearby.
- Avoid interest and fees. Your due date is at least 25 days after the close of each billing bike. Pay your residuum by so to avoid paying the potentially-loftier Apr and late payment fee of up to $38.
- Customer service. For whatsoever assistance you may need, telephone call 866-269-2327 from eight a.m. to 8 p.m. CT, Monday to Friday.
How exercise I redeem rewards from the Bank of the West Greenbacks Dorsum World Mastercard®?
Cashback redemption with this card is automated. Every quarter, Banking concern of the West transfers your rewards to your account every bit a argument credit.
Quarterly payouts are made on:
- Jan 1st
- April 1st
- July 1st
- October 1st
Wait up to five business organization days for the argument credit to post to your account.
If yous mostly spend on groceries and dining, and gas up to $500 per month, yous'll find the Bank of the West Greenbacks Back World Mastercard® to exist a smashing improver to your wallet. You'll earn a high cashback charge per unit on these categories and get a brusk intro Apr period on purchases without paying an annual fee.
Just if you're not sure information technology's the correct card for you, check out other cashback credit cards and compare your options.
- What purchases count toward dining?
Restaurants, bars, lounges and fast nutrient restaurants count toward your iii% greenbacks back.Nonqualifying purchases include certain restaurants and cafes inside department or grocery stores, or warehouse clubs.
- What purchases count toward groceries?
Grocery stores, supermarkets, freezers and meat provisioners, miscellaneous food stores, bakeries and candy, nut and confectionery stores typically count toward your 3% cash back.Nonqualifying purchases include purchases made at larger stores, such equally warehouse clubs and drugstores.
- What purchases count toward gas?
Gas stations and automatic fuel dispensers count toward iii% cashback purchases.Nonqualifying purchases include gas purchases made at superstores, supermarkets and truck stops.
Images: Depository financial institution of the Westward
Source: https://www.finder.com/bank-of-the-west-cash-back-world-mastercard
0 Response to "Bank of the West Cash Back Credit Card Review"
Post a Comment