How to Get a Bank of the West Cash Back Credit Card


If you’re looking for a card that’s going to give you some great rewards, you’re going to want to check out the Bank of the West Cash Back World Credit Card. With the Bank of the West card you can get up to 3% cash back on your everyday spending. You don’t need to spend thousands of dollars on a vacation to get money back like with some credit cards.

With the Bank of the West Cash Back World Credit Card you get 3 % back on everyday spending like gas and groceries. You can also get money back on things like hotels and restaurants. Of course rewards are not the only reason to choose a card, there could be any variety of reasons you want a new card. 


You might need help during a tough financial time. In that case rewards are not as important as interest rates and late fees. You should also make sure you weigh out the importance of things like annual fees and costs for getting cash back. Our editors have dived into the Bank of the West Cash Back Credit Card to find out the details you need to know. You can check them out below before you decide whether or not the card is right for you.

bank of the west

What are the Benefits of the Bank of the West Cash Back World Credit Card?

First of all, you can expect 3% cash back on common expenses such as gas, dining out and groceries, and 1% on all other purchases. Not only that, all your cash back is automatically credited to your account each quarter as a statement credit.


If you love traveling, this card is for you as it offers exclusive features such as a personal concierge and travel services. What’s more, if you’re worried about how secure your card is, you’ll e glad to know Bank of the West takes security seriously. The Bank of the West Cash Back World Credit Card is monitored 24/7 for any fraud cases, and you are protected with zero liability for unauthorized transactions.

Finally, this credit card is so easy to manage, you can do everything online. For instance, you don’t need to go to the bank and wait in long queues to change your PIN, activate your card, view statements, make balance transfers, lock and unlock your card, or order a replacement card. All this can be done online from the comfort of your home.

What are the Fees of the Cash Back Credit Card?

Borrowing money always comes at a cost and it is important to be aware of those costs before deciding on the right card or you. If you don’t pay your monthly bills the interest rates can hit you hard. And those interest rates also come with late fees.

The best way to use a credit card is to pay on time. If you pay on time, the Bank of the West Cash Back World Credit Card is going to give you their cash back rewards for free. Check out the fees associated with the card below. 

  • Annual Percentage Rate (APR) on balance transfers: 0% for the first six months
  • APR on purchases: 18.24%, 25.24.99% or 24.99% based on your creditworthiness 
  • Late payment penalty fee: $38
  • Cash advance fee: $10 or 4%, whichever is higher
  • Balance transfer fee: $10 or 4%
  • Returned payment fee: $38
  • Foreign transaction fee: $0 
  • Annual Fee: $0 

Bank of the West Credit Card

How to Apply for the Bank of the West Cash Back World Credit Card

As long as you are eligible, applying for the Bank of the West Cash Back World Credit Card is pretty straightforward and should only take you a few minutes to complete the whole process.

First of all, you need to be at least 18 years old and a resident of the US with a Social Security Number. If you are employed, then the bank will require proof of your gross income, as well as your employer’s name, and your rent or mortgage amount.

To apply now, simply head to the Bank of the West website and fill out the online application form. Should your application be approved, the bank will determine your credit limit based on your income and credit rating.

The Bank of the West Cash Back World Credit Card offers plenty of valuable perks and privileges to those who love to travel and shop. If this is you, you can check out their website for more details. Also check out the terms and conditions that are linked below. 

How to Contact 

Head office

180 Montgomery Street

San Francisco California 


1-(800) 488-2265.

Note: There are risks involved when applying for and using a credit card. Consult the bank’s terms and conditions page for more information.