Bank of the West Business Rewards Mastercard® Review for 2023
This article is part of a larger series onBest Small Business Credit Cards.
The Bank of the West Business Rewards Mastercard® is best for business owners wanting to earn unlimited, fixed-rate rewards on all eligible purchases without having to monitor expense categories. It offers 2x points per dollar, which can be redeemed for office supplies, travel, gift cards, cash, and more. Plus, it has no annual fee and comes with exclusive savings through the Mastercard Easy Savings® Program.
To see how this card stacks up against others we have reviewed on our site, clickAdd to Compareon the card below and select up to two additional cards for comparison.
Bank of the West Business Rewards Mastercard®
BEST FOR:
Those based in the Western part of the country
- Get 60,000 Reward Points after spending $5,000 in the first 90 days after account opening
- 2X Points for every dollar spent on everyday qualifying purchases
- Get up to 25% in automatic rebates on gas, dining, hotels, car rentals, and more with the Mastercard Easy Savings Program®
Pros
- No annual fees
- 0% introductory APR
- Access via mobile app
Cons
- Charges foreign transaction fees
- Branches are only available in 19 states
- Zelle®:这是一个独特的特性,在我们的银行st’s mobile app that allows businesses to send and receive payments.
- Zero liability protection:Bank of the West also offers Zero liability protection in partnership with Mastercard, ensuring credit card owners’ protection against fraud.
- Automatic alerts:You can receive automatic text messages to inform you of your credit card activities
- Get 60,000 Reward Points after spending $5,000 in the first 90 days after account opening
- 2X Points for every dollar spent on everyday qualifying purchases
- Get up to 25% in automatic rebates on gas, dining, hotels, car rentals, and more with the Mastercard Easy Savings Program®
Pros
- No annual fees
- 0% introductory APR
- Access via mobile app
Cons
- Charges foreign transaction fees
- Branches are only available in 19 states
- Zelle®:这是一个独特的特性,在我们的银行st’s mobile app that allows businesses to send and receive payments.
- Zero liability protection:Bank of the West also offers Zero liability protection in partnership with Mastercard, ensuring credit card owners’ protection against fraud.
- Automatic alerts:You can receive automatic text messages to inform you of your credit card activities
When evaluating fixed-rate business credit cards like the Bank of the West Business Rewards Mastercard®, we first rate ongoing and introductory rewards. Then we grade the annual fee, additional features, and introductory and ongoing annual percentage rates (APRs).
Grading Criteria |
Card Score |
Highest Possible Score |
---|---|---|
Ongoing Rewards
|
20 |
30 |
Introductory Rewards
|
15 |
20 |
Annual Fee
|
15 |
15 |
Additional Features
|
10 |
15 |
Introductory APR
|
8 |
10 |
Ongoing APR
|
8 |
10 |
Total Score
|
76 |
100 |
Who the Bank of the West Business Rewards Mastercard® Is Best For
- Business owners who prefer to earn fixed-rate rewards: It lets you earn unlimited, fixed-rate rewards on all purchases, regardless of spending categories. Plus, the points acquired don’t have an expiration date and an annual cap.
- Business owners based in the Western part of the country:Bank of the West is only available to businesses in the following states: Arizona, California, Colorado, Idaho, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, New Mexico, North Dakota, Oklahoma, Oregon, South Dakota, Utah, Washington, Wisconsin, and Wyoming.
If this card isn’t what your small business needs, check out ourrecommended alternatives below.
西方商业银行奖励万事达®费用
APR
- Introductory APR:0% APR for the first nine months after account opening
- Regular APR on purchases and balance transfers:Prime rate plus 10.74%
- Cash advance APR:25.99% variable, which adjusts with the prime rate
- Penalty APR and when it Applies:None
- Minimum interest charge:$1
Fees
- Annual:$0
- Balance transfer:Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash advance:Either $10 or 4% of the amount of each transfer, whichever is greater
- Foreign transaction:3% of the United States dollar amount of every transaction
- Late payment:Up to $41
- Returned payment:Up to $41
How To Make Payments On the Bank of the West Business Rewards Mastercard®
- Bill pay:Set up one-time, recurring, or expedited payments with Bill Pay. Log into your Online Banking account and select “Bill Pay” to begin.
- Online:Log into your account, choose the credit card listed under Banking Overview, and then click the “Pay Now” link.
- Mail:Send your credit card payments to this address:
Bank of the West
PO Box 4021
Alameda, CA 94501-0421
西方商业银行奖励万事达®Rewards
- 60,000 reward pointsafter spending $5,000 in the first 90 days after account opening
- 2x pointsfor every dollar spent on everyday qualifying purchases
- Up to 25% in automatic rebateson gas, dining, hotels, car rentals, and more with the Mastercard Easy Savings Program®
You can redeem your points for cash, travel, office supplies, gift cards, and merchandise. There’s no limit to the number of points you can earn, and your rewards don’t expire as long as your account remains active and in good standing.
Bank of the West Business Rewards Mastercard® Additional Features
- Accounting system integration:With aQuickBooksandQuickenintegration, you can track your expenses and stay on top of your finances easily.
- Zero liability protection:You’re protected against fraudulent activities for purchases made in-store, over the phone, and via a mobile device. This protection also includes ATM transactions.
- Automatic alerts:You can activate automatic alerts so that you can stay up-to-date on the limits you have set on your balances, purchases, and other account activities.
- Mastercard ID theft protection:This provides access to several identity theft resolution services. Call (800) 307-7309 if you believe you have been a victim of Identity Theft.
Pros & Cons of the Bank of the West Business Rewards Mastercard®
PROS | CONS |
---|---|
No annual fees | Charges foreign transaction fees |
0% introductory APR for the first nine months | Branches only available in 19 states |
Unlimited rewards |
Bank of the West Business Rewards Mastercard® Alternatives
American Express Blue Business CashTM
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.24% - 26.24%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Fixed rate rewards
- No annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power:Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and helps get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts to your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance:卡会员,您可以覆盖损坏or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.24% - 26.24%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Fixed rate rewards
- No annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power:Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and helps get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts to your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance:卡会员,您可以覆盖损坏or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.
- American Express Blue Business CashTMis best for those needing to exceed their credit limit
- Offers an expanded buying feature, allowing cardholders to adjust their buying power based on their payment history, credit record, financial resources, and other factors
- Comes with no annual fee and 0% APR for the first 12 months
- Is ourtop-recommended cash back business credit card
PNC Cash Rewards® Visa Signature®
PNC Cash Rewards® Visa Signature® Business Credit Card
BEST FOR:
PNC Bank account holders wanting to earn fixed-rate rewards
- Earn $250 cash bonus for spending $3,000 in the first three billing cycles
- 0% APR on purchases for the first nine billing cycles after opening an account
- Earn 1.5% cash back on all purchases
- No annual fee
Pros
- Doesn’t charge annual fees
- With sign-up bonus
- Has low ongoing APR on purchases and balance transfers
Cons
- Doesn’t offer 0% introductory APR on balance transfers
- Need to have an active PNC Bank account to qualify for the card
- Cash Flow Insight®:Designed to help you monitor and plan your cash flow, send invoices via email, get paid online, and manage payables digitally.
- Lost luggage reimbursement:You and your immediate family members can be reimbursed up to $3,000 per covered trip if your luggage was lost or stolen when you charge your entire travel fare to this card.
- Travel and emergency assistance services:You can call the toll-free, 24-hour benefit administrator line at (800) 992-6029 to get assistance and referrals while traveling away from home.
- Trip delay reimbursement:Covers up to a maximum of $300 per purchased ticket for reasonable additional expenses incurred when a Covered Trip purchased was delayed for more than 12 hours.
- Earn $250 cash bonus for spending $3,000 in the first three billing cycles
- 0% APR on purchases for the first nine billing cycles after opening an account
- Earn 1.5% cash back on all purchases
- No annual fee
Pros
- Doesn’t charge annual fees
- With sign-up bonus
- Has low ongoing APR on purchases and balance transfers
Cons
- Doesn’t offer 0% introductory APR on balance transfers
- Need to have an active PNC Bank account to qualify for the card
- Cash Flow Insight®:Designed to help you monitor and plan your cash flow, send invoices via email, get paid online, and manage payables digitally.
- Lost luggage reimbursement:You and your immediate family members can be reimbursed up to $3,000 per covered trip if your luggage was lost or stolen when you charge your entire travel fare to this card.
- Travel and emergency assistance services:You can call the toll-free, 24-hour benefit administrator line at (800) 992-6029 to get assistance and referrals while traveling away from home.
- Trip delay reimbursement:Covers up to a maximum of $300 per purchased ticket for reasonable additional expenses incurred when a Covered Trip purchased was delayed for more than 12 hours.
- PNC Cash Rewards® Visa Signature® is an ideal choice for those who’ll need to carry a balance on their card month after month
- Offers of a $400 bonus after spending $3,000 in qualifying purchases within the first three billing cycles
- Has a low ongoing APR ranging from 13.99% to 22.99%
- Comes with no annual fee
- Lets you earn 1.5% cash back on all eligible purchases, with no caps or limit
- Is one of ourleading business cards for limited liability companies (LLCs)
Chase Ink Business Unlimited®
Ink Business Unlimited® Credit Card
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- With interest-free financing option on purchases
- Fixed unlimited cash back on all purchases
Cons
- Does not have interest-free financing option on balance transfers
- Charges high foreign transaction fees
- Auto rental collision damage waiver:You can decline the company’s collision insurance and charge the entire rental cost to this card.
- Travel and emergency assistance services:Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
- Purchase protection:You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Zero liability protection:Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
- Cellphone protection:Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- With interest-free financing option on purchases
- Fixed unlimited cash back on all purchases
Cons
- Does not have interest-free financing option on balance transfers
- Charges high foreign transaction fees
- Auto rental collision damage waiver:You can decline the company’s collision insurance and charge the entire rental cost to this card.
- Travel and emergency assistance services:Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
- Purchase protection:You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Zero liability protection:Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
- Cellphone protection:Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.
- Chase Ink Business Unlimited® is ideal for those with other Chase credit cards
- Lets you transfer rewards from your Ink Business Unlimited® credit card to another Chase personal or business credit card within the Chase Ultimate Rewards program
- Offers 0% APR for the first 12 months after account opening
- Is ourbest small business credit cardand thetop credit card for new businesses with no credit history
For more options, head over to our roundup of thebest small business credit cards.
Bottom Line
The Bank of the West Business Rewards Mastercard® is ideal for businesses based in the Western part of the US. It also offers a lucrative rewards and rebate program, an introductory 0% APR for the first nine months after the account opening, and a generous sign-up bonus. Keep in mind that this card is available in limited locations, so businesses located in other parts of the US where there’s no Bank of the West branch should considerother card options.