This review is for the Bank of the West Platinum Rewards MasterCard® Credit Card. It is one of several cards offered by the Bank of The West, and offers a substantial rewards program along with a competitive annual percentage rate.
Other cards offered by the Bank of the West include a platinum MasterCard, a standard MasterCard, a Business Rewards MasterCard, and a regular Business MasterCard.
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Bank of the West Platinum Rewards MasterCard® Credit Card Details
The Bank of the West Platinum Rewards MasterCard offers an introductory annual percentage rate of 0.0% for the first six months that the card is opened. Following the initial six-month period, the APR increases to 18.99 %, however this is a variable rate and will fluctuate based on the Prime Rate.
The annual percentage rate for a cash advances is 24.99%, and the penalty APR is 29.99%. You are assessed the penalty APR when you miss a payment or go over the credit limit.
Learn ways to manage your credit, not go over your credit limit and maintain a good credit score with tips from Suze Orman.
Bank of the West Platinum Rewards MasterCard® Credit Card Benefits
The Bank of the West Rewards Card allows you to earn 1 point for each $1 you spend in qualifying purchases when using the card. When you earn points, there is no expiration date and no maximum to the number of points that you can accumulate.
Some of the rewards that are available include:
- Gift cards
- Travel and vacation packages
- Various merchandise
In fact, when you redeem your points for travel, you will not be subject to any blackout dates. It is simple to redeem points, as the Bank of the West offers redemption either online or over the phone.
The cards also offer auto insurance coverage, no annual fee, as well as 24 hour a day access to your account online. Travel insurance for up to $100,000 is included if you book your trip with the card, and it includes a zero liability protection plan.
Bank of the West Platinum Rewards MasterCard® Credit Card Bottom Line
If you use your card a lot and are able to build up points, this card is a good choice for you. However, if you tend to carry a balance, you should consider a different card with a lower APR.
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