There are a lot of different credit cards in the world. Every company is offering credit cards with a lot of benefits and deals. Credit cards are perfect for people who want to do their shopping but also want some rewards and cash back when they do their shopping. Today, we will be talking about the Bank of West Cash Back World Mastercard among these different kinds of credit cards.

Here, you will get to know everything about this card and how you can get different benefits from it. There are a lot of different cashbacks and rewards that the customer can get when they’re using this card. This is why the following are the five main things that you must know before getting this card for yourself. So, let’s jump right into this detailed review.

What is the Bank of the West Cash Back Mastercard?

Among the different kinds of Mastercards that we have in the market, the Bank of West Cash Back World Mastercard is the one that indeed takes the lead. This is because Mastercard has a lot of cashback programs. You must understand there won’t be any rewards program here. The customer will only receive a percentage of your purchases as a cashback reward.

A person might get many other benefits if using this card, such as zero fraud liability, travel assistance and cashback in traveling, and reports to the major bureaus that are present worldwide. Other than this, there are also a lot of different card benefits that you can get from this credit card.

5 Things to Know About Bank of the West Cash Back World Mastercard:

There are a lot of different benefits that you can get from this Mastercard. Below, we have mentioned five significant benefits and things you should know before applying for this card.

There are Different Geographic Limitations:

When applying for this Bank of the West Cash Back World Mastercard, you must know that you don’t have to be an account holder in the Bank of West. However, you must understand that this card is only available in 19 states, and only residents can apply. Another benefit you get here is that if you live in an eligible state but don’t have a branch near you, you can use their online platform to register.

Impressive and High Cashbacks:

Another great thing about this MasterCard is that they have very high cashback. This card offers 3% cash back on gas, dining out restaurants, and grocery purchases. Also, the customers should know that they will get 1% cashback on all their purchases.

Other cards need some kind of minimum balance before you start earning the cashback. However, this is not the case with the Cash Back World Mastercard. You automatically get the cashback after using it, regardless of the account balance.

You should know that the cashback rewards should be redeemed in $25 increments. You can do this in different ways, one by having the statement credits and the other by directly depositing into linked accounts.

The Card does not Travel Well:

People often get these credit cards, and they will get impressive discounts while traveling. However, this is not true with the Bank of West Cash Back World Mastercard. This card should be kept at home if you are traveling internationally because the international fee for this card is about 3%. Hence, this card is only suitable for cashback on groceries, gas, etc.

No Annual Fees:

Many banks require you to pay the annual fees on the credit card to ensure that you can avail all the benefits. These annual fees can make these credit cards very expensive. However, this is not true with the Bank of the West Cash Back World Mastercard. Here, you don’t have to pay any annual fees; this makes this credit card perfect for customers and easy for them to afford.

0% intro APR Period for the Purchases.

The APR amount is another thing that makes the card good or bad for customers. In this case, the APR is 0% introductory. This means during the 15 months, you don’t have to pay any APR. When the 15 months is over, the initial period is also over. This means that after that, you will have to pay variable APR on your purchases and even the balance transfers. The APR can range from 20.99% to 27.99%.

Also, you must know that any balance you transfer to this card will undergo a balance transfer fee of 4% or $10. This introductory period might not be the best option you get out of the other cards, but it is still a decent time frame that lets the customers pay off their more significant expenses.

Pros and Cons of Bank of the West Cash Back World Mastercard:

Following are some of the significant pros and cons of this credit card:

Pros:

• There are no annual fees
• The customers get multiple credit card perks.
• Travel assistance insurance.
• Access to a concierge.

Cons:

• After the introductory period is over, the APRs are higher than the average purchase
• There are no signup bonuses.
• Charges will be applied on 4% of balance transfer fees.

Final Words:

There are a lot of credit cards that you can choose from. Credit cards can be very beneficial and make it easy for customers to make larger expense purchases. Finding the right credit card can be crucial, so you need to learn everything about a card before getting it. We have compiled a few things you must know before getting this Bank of the West Cash Back World Mastercard. Hence, we hope this article was beneficial for you in learning more about this card.