Bank of the West Standard MasterCard® Credit Card

Bank of the West Standard MasterCard® Credit Card
  • Minimum Credit Required:Excellent
  • Annual Fee:None
  • Network: MasterCard
  • Rating:
    3.03.0 / 5 from 26 votes - Cast your vote!
 
 
 
Rewards: No 
 
 
Purchases:
Intro Rate 0% Intro Period 6 months Regular Rate 20.99%
Balance Transfers: 
Intro RateNot Offered Intro PeriodN/A Regular Rate20.99% Balance Transfer Fee 3%
Cash Advances:
Cash Advance Rate 24.99% Cash Advance Fee 4% (min $10)
 
 
Additional Info:
  • No annual fee.
  • Manage your account easily and quickly with 24/7 access to Online Banking.
  • Save time when making purchases with acceptance at millions of locations worldwide.
  • Max Late Fee:  $35
  • Max Overlimit Fee:  $35
  • Max Penalty APR:  29.99%
  • Grace Period:  25 days
  • Online Response:  No
  • Foreign Transaction Fee:  3%
Proceed
 
 
Your Recommendation
3.0
Your Rating: 1 2 3 4 5  
Overall Rating: 3.0 / 5 from 26 users

If you currently have the Bank of the West Standard MasterCard® Credit Card and are satisfied or you like the terms of this credit card offer please let your friends know.

 
 
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Related Credit Card Categories

Bank of the West Standard MasterCard® Credit Card is related to the following credit card categories:

 
 
 
About the Issuer: Bank of the West

Based on their website: "Bank of the West is a financially strong, well-capitalized bank that customers have entrusted with their money for over 135 years. Through holding company BancWest Corporation, the bank is a subsidiary of BNP Paribas, one of the six highest rated banks in the world.
Their bank's stability and development have been sustained through a strong focus on sound, conservative banking practices and a superior level of customer service. Bank of the West employs a business model that lets the bank make service-focused decisions–about credit, products and other aspects of its operations—as quickly, consistently and as close to the customer as possible."

 
 
back to top Discussion

Share your experiences, thoughts or just ask a question:

  • Joe Weider:
    Who wants a standard credit card? I mean in a time when most credit cards have words like “platinum” “gold” “preferred” and “accelerated” sprinkled in their official titles, “standard” just seems so unappealing. But perhaps that’s the genius of the Bank of the West Standard Credit Card; it seperates itself from the pack and gives you something to think about. I could also be reading into things way, way too much, but let’s see whether the Bank of the West Standard Card separates itself from the pack as far as its terms are concerned. Unfortunately, the card gets off to a bad start given that it doesn’t offer any rewards. Then again, you only want to use a credit card for one purpose (e.g. getting the best rewards or the lowest interest rates) so the lack of freebies could certainly be made up for by some good rates. Alas, it’s not meant to be. The only thing that the Bank of the West Standard MasterCard Credit Card has to offer in the rates department is a 0% intro APR on new purchases. It doesn’t offer a low introductory rate in balance transfers and has a 20.99% regular APR. For a card that requires excellent approval, this Standard MasterCard sure doesn’t give much back in return. You obviously need some other options, so starting with rewards, three cards to check out are the Chase Sapphire Preferred ($500-625 initial bonus), the Capital One Venture Card (2% cash back across all purchases when you redeem miles for travel), and the Blue Cash Everyday Card from Amex (3% cash back at supermarkets, 2% at gas stations and department stores and 1% on everything else). When you’re talking about interest rates, my favorite card is currently the no balance transfer Slate Card from Chase, which gives you 0% on purchases and transfers for 15 months and does not charge a balance transfer fee (most cards charge 3%). All of these cards are much better than the Bank of the West Standard MasterCard and you can qualify for all of them with the same excellent credit needed to get the Standard Card.
 
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The card information shown on this page was last updated: May 17th, 2012 at 4:50 EDT

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