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  Banner Bank Commercial Mastercard®

Banner Bank Commercial Mastercard®

in Business Credit Cards from Banner Bank

Unaffiliated

Banner Bank Commercial Mastercard®

Unaffiliated

in Business Credit Cards from Banner Bank

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Highlights
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

Key Takeaways
  • 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 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 oods if your credit score is above650.
Pros & Cons of Banner Bank Commercial Mastercard®
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple business credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel accident insurance.
  • Banner Bank Commercial Mastercard® reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1.1%.
Banner Bank Commercial Mastercard® FAQ

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.

Banner Bank Commercial Mastercard® Rates & Terms
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.

Banner Bank Commercial Mastercard® Fees
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 customer service phone number?

The customer service number for this business card is (509) 527-3636.

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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Feature Breakdown

Every Purchase (Points) Starting at 3
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
Customer Type Business
Minimum Age 18
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Purchase Protection
  • Fraud Liability
  • Travel Accident Insurance
Rewards Rates
  • Travel
  • Car Rentals
  • Retail
  • Insurance
  • Every Purchase
Balance Computation Average daily balance (including new purchases)
Cash Advance APR (Fixed APR) 18%
Purchase APR (Fixed APR) 11.99%
Card Network Mastercard
Card Type
  • Cashback
  • Travel

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