Banner Bank Commercial Mastercard®
in Business Credit Cards from Banner Bank
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| Purchase APR (Fixed APR) | 11.99% |
| Balance Transfer APR (Fixed APR) | N/A |
| Credit Score Range | 650 - 850 |
| Annual Fee | $0 |
Banner Bank Commercial Mastercard® Review
- Competitive APRs. Banner Bank Commercial Mastercard® has a fixed purchase APR of 11.99%
- No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1.1% every time you make a transaction outside the U.S.
- Multiple business credit card benefits. Includes generous credit card perks, such as rental insurance, extended warranty protection on purchases, identity theft protection, purchase protection, travel accident insurance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
| The Good | The Bad |
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Who is Banner Bank Commercial Mastercard® designed for?
This is a credit card issued by Banner Bank.
This business card is designed for small businesses with fair credit. The minimum credit score to apply is 650.
What are the relevant APRs?
This business credit card has a fixed purchase APR of 11.99%.
It also has a fixed cash advance APR of 18%.
Does it have an introductory APR offer?
This business credit card does not offer an introductory rate on new purchases.| Purchase APR | 11.99% |
| Cash Advance APR | 18% |
What fees does it charge?
The following fees apply to this business credit card:
- There is no annual fee.
- A late payment penalty of up to $20.
- An overlimit fee of $20.
Does it charge a foreign transaction fee?
This business card charges a foreign transaction fee of 1.1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $22. If you travel abroad you may want to leave this business card at home and apply for one that doesn't charge a foreign transaction fee.
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 1.1% |
| Late Payment Fee | $20 |
Does it offer a cash back rewards program?
The rewards program allows you to earn cash with every purchase you make. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
- Car Rentals
- Every Purchase
- Insurance
- Retail
Can I get it with just an employer identification number (EIN)?
You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.What are the benefits?
This business credit card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Extended Warranty Protection
- Fraud Liability
- Travel Accident Insurance
- Reports to major credit bureaus
What is the support contact email?
The support contact email for this business credit card is merchantservices@bannerbank.com.
Does Banner Bank Commercial Mastercard® report your account activity to credit bureaus?
Yes, Banner Bank Commercial Mastercard® reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply?
- Visit the Banner Bank .
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
- Check the information is accurate and submit your application.
- If you're denied click here to find out why your application may have been rejected and what you can do about it.
Message From Banner Bank Commercial Mastercard®
Contact
- Headquarters
-
10 S 1st Avenue
Walla Walla, WA 99362 - Visit Site
- Email Support
Other Services by Banner Bank
Feature Breakdown
| Annual Fee | $0 |
| Cash Advance Fee (%) | 0% |
| Cash Advance Fee Minimum | $0 |
| Minimum Cash Advance Fee ($) | $0 |
| Minimum Interest Charge | $0 |
| No Annual Fee | |
| No Interest Grace Period for Late Payment | 25 days |
| Foreign Currency Transaction Fee | 1.1% |
| Late Fee Amount | $20 |
| Over-Limit Fee | $20 |
| Returned Payment Fee | Starting at $15 |
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