Bank of the West Secured Credit Card offers you a great way to improve your credit.


See Pricing Terms and Conditions

Guide to Benefits

Enjoy these card benefits:

  • No credit history or minimum credit score needed to qualify
  • Credit limit is set by your deposit into an interest bearing savings account
  • An opening deposit of $300 to $12,000 secures your card
  • Build credit with on time payments, paving the way to becoming eligible for a standard credit card
  • Pay-off and close the account at any time and get your entire deposit back with interest
  • 21.99% variable APR for Purchases
  • $25 annual fee
  • SecureSuite™ protects you with:

  • 24/7 fraud monitoring
  • Identity theft resolution1
  • Zero liability for unauthorized purchases2
  • 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

  • Deposit of $300-$12,000 to secure your limit
  • Social Security number
  • Gross income (if applicable)
  • Employer name (if applicable)
  • Rent/mortgage amount
  • What to do next

    Visit your local branch to apply for the Secured Credit Card and open a Bank of the West Savings Account with the desired amount to set your credit limit.

    Apply at a branch

    Convenient online card management

    Manage your credit card with your mobile phone, tablet or computer. Learn more

    Already have a Bank of the West Credit Card?

    Log in to manage your card or make an online payment.

    It’s an easy way for you to save a little extra

    Our Classic Savings account offers our lowest opening deposit and more. Learn more

    Legal information and Disclosures

    1 Certain exclusions and limitations may apply. For full terms and conditions, please refer to the Mastercard Guide to Benefits for Credit Card Holders.

    2 For more information about Zero Liability protection, refer to 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 at for details.

    Mastercard and the Mastercard Brand Mark are registered trademarks.