Bank of the West Cash Back World Credit Card Reviews: Is It Worth It? (2023)Reviews, rates, fees, and rewards details for Bank of the West Cash Back World Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHub
Info about Bank of the West Cash Back World Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
Rewards%APR95Reviews4Q&AContact
RewardsAPRWalletHub ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
Rewards
Earn 3% cash back on dining and groceries.
Earn 3% cash back on gas. After $1,500 is spent on gas purchases each calendar quarter, you go back to earning 1% Base Cash Back.
Earn 1% unlimited cash back on everything else.
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.
APR on Purchases
0% intro APR for 15 months, 20.74% - 27.74% (V) APR after that
Balance Transfer
0% intro APR for 15 months, 20.74% - 27.74% (V) APR after that
Balance Transfer Fee:4% (min $10)
WalletHub Review
Bank of the West Cash Back World Credit Card Pros & Cons
No membership fees
0% intro APR on purchases
0% intro APR on balance transfers
High rewards rate
Spending caps on rewards
No initial rewards bonus
Balance transfer fee
High regular APR
Bank of the West Cash Back World Credit Card's Additional Info
Can't find what you are looking for? Submit your question about Bank of the West Cash Back World Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
The Bank of the West Cash Back World Credit Card does not currently have a sign-up bonus, though it does give ongoing rewards of 3% cash back on dining, groceries and gas purchases. The card also has a base rewards rate of 1% cash back.
If you're in the market for an initial bonus, you can compare the best credit card sign-up bonuses from other cards, picked by WalletHub's editors. But keep in mind that rewards bonuses are just one of the many things to consider when deciding which credit card you should get.
There is no disclosed starting credit limit for the Bank of the West Cash Back World Credit Card. The issuer does not include any specific credit limit information in the card's terms. For the most part, credit limits depend on each applicant's overall creditworthiness. Those with the highest income and best credit scores will generally be offered the...
The credit score you need for the Bank of the West Cash Back World Credit Card is 700 or better. That means you have a shot at getting approved for the card if you have good credit or better.
What to Know About Bank of the West Cash Back World Credit Card's Score Requirements
Bank of the West Cash Back World Credit Card Reviews
Share your insights and review the Bank of the West Cash Back World Credit Card
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95 reviews
95 reviews
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jlthornb51 @jlthornb51
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2 Star Rating
Verified Customer
Had to activate the card by phone because there seems to be no way to do it online. No way to set up an online account? Just bad!
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Klwatson204 @Klwatson204
Go to login and select create a new account. Say you have a personal account but no debit card number, and then put your card number in as the account number. It will ask you a couple more verifying questions and then you’re in. I was confused at first too, but the above worked for me.
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Jeffrey @mrjeff39us
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2 Star Rating
Verified Customer
This has been a strange experience. I finally responded to one of their pre-approved offers in the mail. I am approved for $6,000 and told to wait for 7-10 days. Then nothing. No status emails. No advertisements for their other services. This is fine, just unusual. Capital One and U.S. Bank send emails constantly. I did receive a letter with my Experian credit report info. No explanation. It looked like a rejection letter from the outside.
I get my card after 7 days. I can activate it online or by downloading the app. I choose online. I am told I need to create an online account first. I do so, no problem. I am then told I need to have my identity verified. I will receive an email with further instructions. They will do this in a first-come first-served basis. I decide to download the app. I am then told my account has been locked, the one I just created online. Usually it's just the last 4 numbers of the card and your SS and you're good to go. I guess I could call and try to speed up the process. It's just aggravating.
Update: 4 days later and I am still waiting for the email; for them to process and verify my information so I can log into my online account. Ridiculous. I can use the card but can't pay the bill.
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Jeffrey @mrjeff39us
Update: I was able to activate the card by phone and set a PIN number. Still no access online or on the app.
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jlthornb51 @jlthornb51
@mrjeff39us Exactly! Activated and have used it but no way to access credit card account online! What a bizarre system. Do we pay by sending a check by snail mail? LOL!
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David @davidg_371
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2 Star Rating
Verified Customer
Pretty weak offering. I'm a steady 698-704 score depending on the CB. 35 years in same line of work, professional, very high income, low DTI, zero negs ever on my CB. I have 12 existing cards, mostly cash back cards, CLs from 2500-22k. Most $8-12k range. I was 'approved' for 2300. TOO FUNNY... except the totally wasted inquiry.
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Jeffrey @mrjeff39us
That is low. They offered me $6,000 at $119K income, 733 Experian score.
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Andrea @goingfaster2001
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2 Star Rating
Verified Customer
Considering this card is called a "Cash Back" credit card this is a misnomer because it's not easy to get your cash back. In order to get your rewards you need to get it in increments of $25. I got $217.51 in rewards after I spent $1000+ in a month. I expected to get ALL of my reward money back. Nope! I could get $200 back in a statement credit or direct deposit but NOT $217.51. It needed to be either $200 or $225. My $17.51 that was left just sits there as all I could get was $200 cash back. I am unable to get it as a credit or a deposit and there's no gift cards or other rewards available. Now in order to not lose this money, I have to spend over $300 MORE to gain enough "points" to get to $25 in rewards and then ge the $25 in rewards that's owed me!
This is idiotic! On EVERY OTHER credit card I have when you get your rewards statement you can get ALL OF IT either as a statement credit or direct deposit. Every cent, not in increments of $25. So if you have $45 of rewards with this card you can only get $25 and the $20 that's left just sits on your account and you have to spend more to get to $50. They literally keep you on the hook for your reward money.
My plan is to get my $25 reward money and stop using this card. Initially it's great that they give you $200 when you spend the first thousand and it is 0% interest for the first 15 months but as a rewards card it doesn't give you anything special that another card gives you. 3% for gas, groceries and dining and 1% is nothing special. Having to leave your reward money sitting because you don't spend hit EXACTLY $25 increments just stinks.
There are better deals so I would pass. I don't like when banks offer a "rewards card" and make it so difficult to actually GET your rewards.
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Joe Weider @joe_weider
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2 Star Rating
Bank of the West sounds like something out of early American history when caravans of covered wagons pushed west and small banks were set up in western settlement towns. Well, I guess it makes sense since the Bank of the West Platinum Rewards MasterCard Credit Card seems to be stuck in the past. The current excellent credit credit card market is characterized by extremely attractive offers, such as hundreds of dollars in initial bonuses, long 0% intro terms and lucrative base rewards structures. So what do you get with the Bank of the West Platinum Rewards MasterCard Credit Card? Oh just one point per $1 spent and 0% on purchases for the first 6 months, which is the base earning rate most points credit cards have (usually accompanied by 2-5 points for certain spending categfories; points are already less straightforward than cash back) and a 0% term that’s 15 months shorter than the longest on the market. Needless to say you should leave the Bank of the West Platinum Rewards MasterCard to the guys on Hell on Wheels or Deadwood or whatever.
Since youre not going to get the Bank of the West Platinum Rewards Card you need some alternatives. If you want an initial bonus, the Chase Sapphire Preferred is a good choice since it gives you either $500 cash or $625 in travel. The Capital One Venture Rewards Card and the Blue Cash Everyday from Amex are my favorite rewards cards because the Venture is basically 2% cash back as long as you redeem miles for travel related purchases and the Everday Card offers 3% cash back at supermarkets, 2% at gas stations and department stores and 1% cash back on everything else. For 0% go with the Citi Simplicity or Platinum Select Cards because both offer 0% on purchases ad balance transfers for 21 months.
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Review Bank of the West Cash Back World Credit Card
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