This review is for the Bank of the West Standard MasterCard® Credit Card. The most basic of the individual Bank of the West Cards, the Standard MasterCard does still offer a low introductory annual percentage rate as well as many of the same benefits as the other cards.
Other cards that you can apply for from the Bank of the West include a Platinum Rewards MasterCard and Platinum MasterCard. There are also two business credit cards available from the Bank of the West.
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Learn about the different credit cards available and how you can protect yourself against paying too much in fees and interest charges at Consumer Watchdog.
Bank of the West Standard MasterCard® Credit Card Details
Like the other personal cards from the Bank of the West, the Standard MasterCard offers a special 0% introductory annual percentage rate to new cardholders for the first six months the card is open. However, after the first six months, the interest rate increases to 20.99%, which is the highest permanent rate of any of the cards.
In addition, the APR may also change as it is based on the Prime Rate. However, there is no annual fee charged for the Standard Card, and you have a 25-day grace period to pay off your balance each month. If you do so, you can save a lot of money on interest charges.
You can be assessed a late fee, over the limit fee or returned payment fee. Each of those fees is $35.
Bank of the West Standard MasterCard® Credit Card Benefits
The Bank of the West Standard MasterCard offers many benefits, including full travel accident insurance and auto rental coverage when you use your card to book a trip. The card is accepted at the millions of locations across the world where MasterCard is taken, and you can access your account online 24 hours a day.
You can also receive zero liability fraud protection coverage, where you are not held liable for any unauthorized charges made on your card after it was reported lost or stolen.
Bank of the West Standard MasterCard® Credit Card Bottom Line
While it has a higher APR than the other Bank of the West Cards, the Standard MasterCard has an introductory rate of 0.0% for six months with no annual fee. This makes it an attractive card, especially since it is designed for people with average credit.
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