Bank of the West Business Credit Card Review, Plus Top Alternatives

Having a business credit card can really come in handy to help you stay on top of your business’s finances. This is especially true when you find a business credit card with the right mix of perks. For example, if you travel frequently for business, you’ll likely want to consider one of the best business credit cards for travel. On the other hand, if you’ve just launched a startup, a business credit card that caters to new businesses might make more sense for your needs.

If you’re reading this article, you’re likely considering whether a Bank of the West business credit card is right for you. To answer that question, there are several factors that you should consider. To start, neither of the Bank of the West business credit cards charges an annual fee. This means you don’t have to worry about fees taking a chunk out of your savings.

Furthermore, both cards also offer special introductory offers to get you started with a bang. The Bank of the West Business Credit Card is a good choice if you need some extra time to pay off a purchase, thanks to its 0% intro APR period. For those more focused on earning something back on purchases, the Business Rewards Credit Card earns rewards on your spending, with an added bonus after opening. Both cards offer easy integration with QuickBooks and Quicken to help track your spending and the perks of a Mastercard, including travel discounts.

Below, we’ll dive into the details of each card to help you decide which one might be better suited for you and your business.  You can also check out a top alternative to each card, just in case the Bank of the West business credit card options aren’t quite right for you.

See Your Business Credit Card Options

The 2 Bank of the West Business Credit Cards Reviewed

Bank of the West Business Credit Card

The Bank of the West Business Credit Card offers a simple way to make your business purchases. For starters, there is no annual fee, so you don’t need to worry about more than your own spending. At no extra cost, you can also get additional credit cards for your employees and set the limits on each employee card.

A real perk to the Business Credit Card is its special welcome offer. For the first nine months you have the account, you can make purchases and balance transfers with a 0% introductory APR. This is ideal if you need to make some big purchases at the start that might require a little extra time to pay off.

It’s also a useful perk to take advantage of if you have other card balances you need to pay off: You can transfer those existing balances to the Bank of the West Business Credit Card and pay them off without having to worry about interest. Keep in mind that you should pay off the balance within those nine months because once the introductory period ends, your regular APR will kick in. This APR, which will also apply to purchases, will vary with the Prime Rate and your creditworthiness, so be sure to check the issuer’s terms and conditions for the latest information.

Top Alternative to Bank of the West Business Credit Card: Amex Blue Business Plus

Credit Card

The Blue Business® Plus Credit Card from American Express

Great For: Making purchases with a 0% intro APR period
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  • 12 month 0% intro APR period on purchases from the date of account opening
  • 2X points for the first $50K spent
  • No annual fee
  • Intro APR


  • Regular APR

    13.24% – 19.24%

  • Annual fee


  • Minimum credit


If you think you could benefit from more time with a 0% APR, check out the Blue Business Plus credit card from American Express. This card offers a 12-month 0%-intro-APR period to pay off purchases without accruing interest. After that, the APR is variable, depending on the Prime Rate and your creditworthiness.

This card not only beats the Bank of the West Business Credit Card when it comes to the length of its introductory APR offer, but it also earns rewards. You earn 2X points on the first $50,000 in purchases each year and then 1X on everything after that.

You can certainly find other business credit cards with better rewards offers—if that’s what you’re looking for, read on!

Bank of the West Business Rewards Credit Card

The Bank of the West Business Rewards Credit Card starts off your rewards with a special welcome offer bonus. You can earn 60,000 Reward Points when you spend $5,000 in the first 90 days after account opening. After that, you earn 2 points for every dollar spent on qualifying purchases. There’s no limit to the number of points you can earn and they remain valid as long as your account is open and in good standing. You can redeem your Reward Points for more tangible rewards like cash, travel expenses, and office supplies.

As we mentioned previously, this card doesn’t have an annual fee to worry about.

Top Alternative to Bank of the West Business Rewards Credit Card: Capital One Spark Cash for Business

The Capital One Spark Cash for Business poses another good option for business owners seeking rewards. Here, however, you earn 2% cash back on every dollar you spend instead of Rewards Points. Earning cash back means you don’t have to redeem your points for goods at the bank’s set rate. Instead, you can use your cash how you want, whether for more business purchases or for further rewards.

The main downside to this card is that it comes with an annual fee. Your first year with the Capital One Spark Cash is free, but after that the card will cost you $95 a year.

See Your Business Credit Card Options

Which Bank of the West Business Credit Card Is Right for You?

When choosing between the two Bank of the West business credit cards, it’s important to decide what you need most from a credit card. The first card, the Bank of the West Business Credit Card, will work better for business owners who need to take advantage of a 0% APR period. This gives you more time to pay off your purchases if, for example, your business is just taking off and you have a number of purchases to make at the start, or if you have existing balances that you’d like to pay down.

The Bank of the West Business Rewards Credit Card, on the other hand, will work better for those who are better at paying off bills on time and can responsibly focus on earning rewards. Since there are no special categories on the card, really anyone can benefit from its 2X points system.

Lastly, you will likely want to open a business credit card with a bank that has locations in your area. Bank of the West has locations in several states on the West Coast, the Southwest, the Midwest, and the Mountain region. Check the bank’s website to see if there is a location near to you.

Editor-in-Chief at Fundera

Sally Lauckner

Sally Lauckner is the editor-in-chief of the Fundera Ledger and the editorial director at Fundera.

Sally has over a decade of experience in print and online journalism. Previously she was the senior editor at SmartAsset—a Y Combinator-backed fintech startup that provides personal finance advice. There she edited articles and data reports on topics including taxes, mortgages, banking, credit cards, investing, insurance, and retirement planning. She has also held various editorial roles at, Huffington Post, and Glamour magazine. Her work has also appeared in Marie Claire, Teen Vogue, and Cosmopolitan magazines. 

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