Home Locations Customer Service Personal Small Business Commercial Wealth Management SIGN IN Banking Credit Cards Loans Investments 3% CASH BACK ON DINING, GAS AND GROCERY PURCHASES APPLY NOW LIMITED TIME OFFER: APPLY BY DECEMBER 31, 2021 0% Introductory Annual Percentage Rate (APR)* for 12 months on purchases and balance transfers, then 15.99% - 22.99% variable APR* Get 3% cash back on dining, gas1, and grocery purchases Get 1% unlimited cash back on all other purchases $0 annual fee* *See Pricing Terms and Conditions Enjoy these additional card benefits: 0% APR for 12 months on Purchases and Balance Transfers, then 15.99% - 22.99% variable APR* Concierge and travel services Redeem your Cash Back Rewards at any time in increments of $25 for a statement credit or direct deposit to any checking or savings account2 SecureSuite™ protects you with: 24/7 fraud monitoring Identity theft resolution3 Zero liability for unauthorized transactions4 Emergency card replacement Manage your card online 24/7 Temporarily lock and unlock your card Set travel alerts View your statements Activate your card Order a replacement card Change your PIN Make a balance transfer Dispute a transaction Learn more What you need to apply Social Security Number Gross income Employer name (if applicable) Rent/mortgage amount APPLY NOW See also: Credit Card Agreements Rates and Fees Cash Back Rewards Program Rules Guide to Benefits - Cash Back World Questions? Want to apply by phone? Call 1-866- 269-2327 TTY 1-800-659-5495 Convenient online card management Manage your credit card with your mobile phone, tablet or computer 24/7. Learn more Already have a Bank of the West Credit Card? Log in to manage your card or make an online payment. Legal information and Disclosures Credit cards subject to credit approval. Certain fees and restrictions may apply. Refer to Cash Back Rewards Program Rules for more details about qualifying purchases that earn Cash Back. 1Cash Back rewards are based on Net Purchases (qualifying purchases less credit, returns, and adjustments). 1% base Cash Back for every $1 of net purchases. Eligible merchants for the 3% bonus categories (2% additional Cash Back on top of the 1% Base Cash Back) include: groceries (representing grocery stores/supermarkets, freezer/meat provisioners, miscellaneous food stores, bakeries, and candy/nut/confection stores); (b) Dining (representing eating place restaurants, bars, lounges and fast food restaurants); (c) Gas (representing service stations and automated fuel dispensers). After $1,500 is spent on gas purchases each calendar quarter, you go back to earning 1% Base Cash Back. While this list can be a helpful guide, please remember that purchases and transactions are submitted and categorized by the merchant. Bank of the West does not control how the purchases are classified. Some purchases may not fall into the category where you might expect them to appear. 2Cash Back Rewards have no cash or any other value until redeemed as a statement credit or direct deposit to a checking or savings account. The Bank of the West Rewards program is subject to the current Cash Back Rewards Program Rules. 3Certain exclusions and limitations may apply. For full terms and conditions, please refer to the Mastercard Guide to Benefits for Credit Card Holders. 4For more information about Zero Liability protection, refer to www.Mastercard.us/zero-liability.html. Also, see additional protections contained in your Bank of the West Credit Card Account Agreement regarding Your Liability for Unauthorized Use and Billing Rights under the Fair Credit Billing Act. Limitations apply. Insurance is provided by insurance carriers indicated in your Guide to Benefits. Certain restrictions apply — please see your Guide to Benefits for details. Mastercard and the Mastercard Brand Mark are registered trademarks. Banking Checking Accounts Savings Accounts CDs IRA CDs Online Banking Mobile Banking Online Banking FAQs International Clients Financial Education Bank of the West Debit Card Overdraft Program Options Banking FAQs Credit Cards Compare Credit Cards Cash Back Card Platinum Card Secured Card Resource Overview Credit Card FAQs Loans Home Equity Buying a Home Personal Loans Car Loans Boat Loans RV Loans RV and Boat Loan Make a Payment Online Find a Home Loan Specialist Investments What We Offer Online Investing myTradeNow Open an Investment Account Investing Resources About Us Customer Service Careers Terms of Use Security Privacy © 2021 Bank of the West | NMLS# 19116 | Member FDIC | Equal Housing Lender Doing business in South Dakota as Bank of the West California. Feedback