Full Review

Customers who love the card are happy with the cashback rate they get on accelerated categories. The only frequent complaint about the card is the lack of signup bonus.

Bank of the West is rated A+ by the Better Business Bureau, but isn't accredited yet. Most of the negative reviews on the BBB website cite poor customer service and issues with fraudulent charges.

Stay on top of your transaction history and report any fraudulent charges immediately to help reduce the hassle.

Using it for every day purchases doesn't make sense as 1% is easily beat (full list of better cards here). It's also important to remember that this card doesn't come with a sign up bonus. If you already have a 2% cash back card, then this basically just gives you an extra 1% in specific categories. You'd need to spend $10,000 in those categories to earn $100 (and that’s a pretty small cash sign up bonus).

For the majority of people this card just doesn't make sense, I'd guess it only really makes sense for people that are manufactured spending large amounts at grocery stores and already maxing out other cards. In that case it's really going to depend on what sort of limits & cycling Bank of The West are comfortable with.

One of the things I do like about this card is the fact that you get your cash back (actually statement credit) on a quarterly basis without having to meet a minimum threshold level.


Bank of the West Cash Back World Credit Card Review

Sams Credit Card

The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.

Big Lots Credit Card

The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the CardCruncher tool to find the right card for you.

Surge Mastercard Credit Card

The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application.

Menards BIG Credit Card

Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.

Stein Mart Credit Card

The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store.The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. The card's annual fee is $0.

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The Bank of the West Cash Back World Mastercard® can be a solid card for those whose expenses revolve around dining, groceries and gas. It also offers a short intro APR period on purchases, which can be handy if you’re looking to make a large purchase and carry your balance.
Bank of the West Cash Back World Credit Card
OnlineGo to the Bank of the West website and select the Bank of the West Cash Back World Mastercard®.Click Apply online.Fill out the application form with your personal and financial information.Review your application and submit.
Spent money on gas,dining and groceries purchasesRedeem your Cash Back Rewards at any time
RewardsEarn 3% cash back on dining and groceries.Earn 3% cash back on gas. After $1,500 is spent on gas purchases each calendar quarter, you go back to earning 1% Base Cash Back.Earn 1% unlimited cash back on everything else.Redeem your Cash Back Rewards at any time in increments of $25 for a statem
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