This review is for the Bank of the West Business Rewards MasterCard®. This is one of two business credit cards offered by the Bank of the West, and it offers some outstanding benefits to cardholders including an introductory annual percentage rate and excellent rewards program.
The Bank of the West also offers a regular Business MasterCard with no rewards program, most likely geared towards small businesses with limited purchasing needs.
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Bank of the West Business Rewards MasterCard® Details
The Bank of the West Business Rewards MasterCard offers a special 0% introductory annual percentage rate for new customers. After the initial introductory period, the annual percentage rate will increase based on the current Prime Rate.
If you miss a payment, go over your credit limit, or have a payment returned due to insufficient funds, you may be charge a fee of up to $35. In addition, your annual percentage will increase to the penalty rate, which can be as high as 29.99%.
Bank of the West Business Rewards MasterCard® Benefits
The rewards MasterCard for business allows you to accumulate one reward point for each $1 in purchases you make with the card. You can earn an unlimited number of points while using your card, and you never have to worry about losing points since they never expire.
There is a dedicated website where you can browse reward options as well as redeem points for certain items like gift cards, cash back and merchandise.
Some of the other benefits include the ability to use your card for both business and personal expenses while keeping proper track, of which is which. In addition, you can receive a year-end statement that is customized with purchases by spending category.
You can also add your photo to your card for added security, and anytime you use your card for business travel you will be covered by the Bank of the West’s travel assistance program and the fraud protection service.
To learn more about fighting credit card fraud and scams, visit MyMoney.gov.
Bank of the West Business Rewards MasterCard® Bottom Line
If you have a small business and use your card for major purchases and travel, then this card is a good choice due to the outstanding rewards program. While there are business credit cards that have a lower APR, the combination of the introductory APR, and the overall benefits make this an attractive choice.
Compare credit cards today simply by using the credit card chaser.
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