This review is for the Bank of the West Platinum MasterCard® Credit Card. The card is one of five offered by the Bank of the West, and includes the lowest permanent annual percentage rate of any of the choices.
The additional cards offered by the Bank of the West include a consumer rewards credit card, a business rewards card, and several other cards. The platinum card has some nice features including a low introductory APR and outstanding benefits.
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Bank of the West Platinum MasterCard® Credit Card Details
The Bank of the West Platinum MasterCard® Credit Card offers six months with a 0% annual percentage rate. This can allow you to make purchases and take up to 180 days to pay off the bill before you are charged any interest. Once the initial six months is complete, your APR would increase to 16.99%, which is the lowest of any of the Bank of the West credit cards.
There is no annual fee to carry the Bank of the West Platinum MasterCard, and the cash advance APR is 24.99%. In addition, if you miss a payment or go over your credit limit, your APR can be increased to the penalty rate of 29.99%
Bank of the West Platinum MasterCard® Credit Card Benefits
Some of the benefits available to you as a Bank of the West Platinum MasterCard holder include auto insurance coverage when traveling, as well as complete accident insurance up to $100,000 when you book your trip with the card.
Additionally, you can access your account online 24/7, and can view all your transactions and make payments online as well.
Other benefits that are only available with the Platinum card include coverage if your luggage is either damaged or lost in transit, coverage if anything is stolen at a hotel you are staying at, and 24 hour a day roadside assistance coverage. All of these additional benefits are only available if you have used the car to make the corresponding purchase.
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Bank of the West Platinum MasterCard® Credit Card Bottom Line
The Platinum MasterCard offers a 0% introductory APR, the lowest permanent APR of any of the Bank of the West Cards, and no annual fee, making it a good choice for people who either carry a balance or pay their balance off each month.
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