Last Updated: 07/28/2025
Banner Bank Deposit Secured Mastercard®
Unaffiliated
in Credit Cards from Banner Bank
Last Updated: 07/28/2025
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Highlights
Purchase APR (Fixed APR)
9.99% - 13.99%(Verified 06/21/2024)
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Balance Transfer APR (Fixed APR)
9.99% - 13.99%(Verified 06/21/2024)
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Credit Score Range
350 - 600
Annual Fee
$25
Banner Bank Deposit Secured Mastercard® Review
This is a secured credit 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
- Welcome offer. Offers a signup bonus of 4000 points that can be redeemed for travel, gifts, or other perks.
- 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 up to 1.1% every time you make a transaction outside the U.S.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- 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 poor credit.
Pros & Cons of Banner Bank Deposit Secured Mastercard®
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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.
| Description |
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?
Banner Bank Deposit Secured Mastercard® 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 for accounts that carry a balance (as of November 2024) is 22.80%. 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 2 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 9.99% - 13.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 5.24% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 2 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Intro Period | 0 days | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1.1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $25.
There is a late fee of up to $20 . Does Banner Bank Deposit Secured Mastercard® have a foreign transaction fee?
Banner Bank Deposit Secured Mastercard® charges a foreign transaction fee of up to 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 customer service number for Banner Bank Deposit Secured Mastercard® 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 login page for Banner Bank Deposit Secured Mastercard®?
You can access the login page of Banner Bank Deposit Secured Mastercard® 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 to the following credit bureaus:
- 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 build your credit.
Does Banner Bank perform a hard credit pull?
Yes, Banner Bank Deposit Secured Mastercard® performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Banner Bank Deposit Secured Mastercard®
- Visit the website of Banner Bank Deposit Secured Mastercard®.
- 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.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed