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  Banner Bank Deposit Secured Mastercard®
Banner Bank Deposit Secured Mastercard® Unaffiliated

Banner Bank Deposit Secured Mastercard®

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Highlights
Purchase APR 9.99% - 13.99%
Balance Transfer APR 9.99% - 13.99%
Credit Score Range 350 - 600
Annual Fee $25

Banner Bank Deposit Secured Mastercard® Review

This is a credit card issued by Banner Bank. If you're wondering whether Banner Bank Deposit Secured Mastercard® is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Signup bonus. Offers a signup bonus of 4000 points that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Banner Bank Deposit Secured Mastercard® has a variable purchase APR that ranges from 9.99% up to 13.99%.
  • $0 Balance transfer fee. This card does not charge a fee on balance transfers, if you transfer the balance within 0 day of opening the account. After the introductory period, the fee is 0%.
  • 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 credit card benefits. Includes generous credit card perks, such as and fraud protection.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.
Pros & Cons of Banner Bank Deposit Secured Mastercard®
The Good The Bad
  • Potentially lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 5.24%.
  • No balance transfer fee, if you transfer the balance within 0 day. After the intro period, the fee is 0% with a minimum of $0.
  • Multiple credit card perks.
  • Considers applicants with fair credit.
  • Banner Bank Deposit Secured Mastercard® reports to multiple credit bureaus.
  • Charges an annual fee of $25
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1.1%.
  • You don't earn rewards on every purchase.
Banner Bank Deposit Secured Mastercard® FAQ

Does Banner Bank Deposit Secured Mastercard® have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Banner Bank Deposit Secured Mastercard® benefits?

It provides the following benefits:

  • Reports to major credit bureaus

What are the relevant APRs for Banner Bank Deposit Secured Mastercard®?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

Banner Bank Deposit Secured Mastercard® has a variable purchase APR that ranges from 9.99% up to 13.99%. The card has a variable balance transfer APR that ranges from 9.99% up to 13.99%. It also has a variable cash advance APR of 18% .

Does Banner Bank Deposit Secured Mastercard® have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 5.24% for a period of up to 2 months.

Banner Bank Deposit Secured Mastercard® Balance Transfers
Description
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Fee Intro Period 0 days
Balance Transfer Introductory APR 5.24%
Balance Transfer Intro APR Period 2 months
Balance Transfer APR 9.99% - 13.99%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

Does Banner Bank Deposit Secured Mastercard® have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Banner Bank Deposit Secured Mastercard®?

The following fees apply:

  • There is no overlimit fee
Banner Bank Deposit Secured Mastercard® Fees
Fees Amount
Annual Fee $25
Overlimit Fee $0
Foreign Transaction Fee 1.1%
Returned Payment Fee $15
Late Payment Fee $20

Does Banner Bank Deposit Secured Mastercard® have a foreign transaction fee?

Banner Bank Deposit Secured Mastercard® 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 card at home and apply for one that doesn't charge foreign transaction fees.

What is the support contact email for Banner Bank Deposit Secured Mastercard®?

The support contact email for Banner Bank Deposit Secured Mastercard® is merchantservices@bannerbank.com.

What is the Banner Bank Deposit Secured Mastercard® login page?

You can access the Banner Bank Deposit Secured Mastercard® login page here.

How do people rate the customer service and user experience of Banner Bank Deposit Secured Mastercard®?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Banner Bank Deposit Secured Mastercard® report your account activity to credit bureaus?

Yes, Banner Bank Deposit Secured Mastercard® reports your account activity to the following credit reporting agencies:

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 for Banner Bank Deposit Secured Mastercard®

  • Visit the Banner Bank Deposit Secured Mastercard® website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

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.

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1.1%
Annual Fee $25
Returned Payment Fee $15
Late Fee Amount $20
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 350 - 600
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
  • Travel Accident Insurance
Rewards Categories
  • Travel
  • Retail
  • Every Purchase
Signup Bonus (points) 4,000
Security Deposit $300 - $5,000
Cash Advance APR 18%
Balance Computation “average daily balance” (including new transactions).
Credit Limit $300 - $5,000
Purchase APR 9.99% - 13.99%
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Fee Intro Period 0 days
Balance Transfer Introductory APR 5.24%
Balance Transfer Intro APR Period 2 months
Balance Transfer APR 9.99% - 13.99%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Balance Transfer
  • Secured
  • Bonus Offers
Card Network Mastercard

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