Banner Bank Deposit Secured Mastercard®
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| Purchase APR (Fixed APR) |
9.99% - 13.99% (Verified 08/04/2023) |
| Balance Transfer APR (Fixed APR) |
9.99% - 13.99% (Verified 08/04/2023) |
| Credit Score Range | 350 - 600 |
| Annual Fee | $25 |
Banner Bank Deposit Secured Mastercard® Review
This is a secured credit card rewards card issued by Banner Bank. If you're wondering whether Banner Bank Deposit Secured Mastercard® is the right card for you, read on.
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 fixed 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.
- Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, identity theft protection, travel accident insurance, 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 |
|---|---|
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Banner Bank Deposit Secured Mastercard® FAQ
Does Banner Bank Deposit Secured Mastercard® have a cash back or rewards program?
Banner Bank Deposit Secured Mastercard® is a rewards card.
| Minimum rewards rate | 4x |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus (Points/Miles) | 4000 |
Does Banner Bank Deposit Secured Mastercard® have a signup bonus?
This card doesn't offer a cash signup bonus. However, it does include a 4000 points signup bonus that can be redeemed for travel, gifts, or other perks.Does Banner Bank Deposit Secured Mastercard® offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Banner Bank Deposit Secured Mastercard® benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Zero fraud liability
- Travel Accident Insurance
- 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 fixed purchase APR that ranges from 9.99% up to 13.99%. The card has a fixed balance transfer APR that ranges from 9.99% up to 13.99%. It also has a fixed 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.
| 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
| Description | |
|---|---|
| Cash Advance Fee Minimum | $0 |
| Cash Advance Fee (%) | 0% |
| Minimum Cash Advance Fee ($) | $0 |
| Foreign Currency Transaction Fee | 1.1% |
| Annual Fee | $25 |
| Minimum Interest Charge | $0 |
| Over-Limit Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | $15 |
| Late Fee Amount | $20 |
This card charges a $25 annual fee.
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 customer service phone number for Banner Bank Deposit Secured Mastercard®?
The Banner Bank Deposit Secured Mastercard® customer service number is (509) 527-3636.
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:
- 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 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.
Contact
- Headquarters
-
10 S 1st Avenue
Walla Walla, WA 99362 USA - (509) 527-3636
- Visit Site
- Email Support
Other Services by Banner Bank
Other Credit Cards by Banner Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Cash Advance Fee Minimum | $0 |
| Cash Advance Fee (%) | 0% |
| Minimum Cash Advance Fee ($) | $0 |
| Foreign Currency Transaction Fee | 1.1% |
| Annual Fee | $25 |
| Minimum Interest Charge | $0 |
| Over-Limit Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | $15 |
| Late Fee Amount | $20 |
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