How to Get a Bank of the West Secured Credit Card


If you’ve gotten into a bit of a pickle with your credit scores, the Bank of the West Secured Credit Card might be able to help you. This card does not look at your credit history, but instead you must pay a deposit fee. That fee can range anywher from $300 to $12,000 and you will be able to utilize that amount on your card.

This gives you the opportunity to use a credit card in places where you can’t use cash. The card will also help you get used to spending what you have so you don’t get into a financial funk again. There could be a number of reasons why your credit score sunk, but what is important now is that you revive it.


You should figure out your financial goals before you are apply for a new credit card. Once you are able to determine what you need from a card you will be able to find the perfect one, there are thousands of choices for you out there. Our editors have researched the Bank of the West Secured Credit Card and provided the details below. Read through everything before you decide whether or not this card is for you.

bank of the west

What are the Benefits of a Bank of the West Secured Credit Card?

You can lock/unlock the Bank of the West Secured Credit Card with only a touch from your phone or right from your desktop for extra security. You can ensure that you prevent an outsider from using the card temporarily and making fraudulent charges.


With the Bank of the West Secured Credit Card, you can also set up local and global travel notifications from your work area or desktop to verify your card is accessible from any place you go. With the 24/7 online access feature, you’ll have control over what’s going on with your account.

What about transferring credit card balances? The streamlined transfer application is easy and efficient to follow. What’s more, is that you get insights from beginning to end to enable control of your accounts.

Are you seeking to increase your credit limit? If you are searching to add to your limit, request with only a touch or click for instant response. More so, clients can utilize online dispute requests in case of transaction issues. Users can begin the exchange process online for the moments when a dealer can’t handle a transaction. It’s an easy and straightforward task that you tackle right from your phone.


Bank of the West Secured Credit Card Fees & Charges

Anytime you borrow money you must be ready to pay a fee on top of the balance you have borrowed. The following is a breakdown of the fees associated with the Bank of the West Secured Credit Card. Read them carefully and decide if they are acceptable for your current lifestyle before you take any further steps.

  • Annual Fee: $25
  • Variable APR: 23.34%
  • Balance Transfer Rate:  23.24%
  • Cash Advance Fee:  $10 or 4%, whichever is greater
  • Late Payment Fee: Up to $38 (depending on your state)
  • Foreign Transaction Fee: 3% of the U.S. Dollar amount of each such transaction


The Bank of the West Secured Credit Card is an  opportinity to have a credit card with a limit you decide. You will put down your security, and you will be able to use the amount that you put down in your tranactions. If this card sounds like it is right for you, you can find out if you are eligible and how to apply below.

Bank of the West

How to Apply for the Bank of the West Secured Credit Card

Eligibility requirements for this credit card include: being 18 years old and above, being a permanent US resident, having an income stream, and being employed.

For the card application, you can visit your nearest branch or apply online by visiting the Bank of the West website. You will need to provide a deposit of $300-$12,000 to secure your credit limit, your Social Security number, your gross income (if applicable), your employer name (if applicable), and your current rent or mortgage amount.

If successful in your application, you will be assigned a credit limit based on several factors, including your deposit amount and creditworthiness. Whenever you require a higher cutoff, you can request help from a bank delegate and get some information about the necessary store sum required.


How to Contact Bank of the West

Head office

180 Montgomery Street

San Francisco, CA 94104.

Telephone: 1-800-488-2265 (TTY 1-800-659-5495)


Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.