Banner Bank TruRewards® Mastercard® Review

Banner Bank TruRewards® Mastercard® is a rewards credit card issued by Banner Bank. If you're wondering whether Banner Bank TruRewards® Mastercard® is the right card for you, read on. This is everything you need to know to make a good choice.

• Signup bonus. Offers a signup bonus of 4000 points that can be redeemed for travel, gifts, or other perks.
• Competitive APRs. Banner Bank TruRewards® Mastercard® has a fixed purchase APR that ranges from 9.99% up to 13.99%.
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• $0 Balance transfer fee. This card does not charge a fee on balance transfers. 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 rental insurance, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, purchase protection, travel accident insurance, travel assistance, and fraud protection.
• Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.

The Good

The Bad

Lower than average purchase APRs. Has an introductory APR rate on balance transfers of 5.24%. No balance transfer fee. No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Access to a concierge. Extended warranty on purchases. Identity Theft Protection. Travel accident and travel assistance insurance. Cardholders can earn rewards on purchases everywhere Banner Bank TruRewards® Mastercard® is accepted. Banner Bank TruRewards® Mastercard® reports to multiple credit bureaus.

Charges a foreign transaction fee of 1.1%.

Is there a Banner Bank TruRewards® Mastercard® cash back or rewards program?

Banner Bank TruRewards® Mastercard® offers a rewards program to its customers.

Banner Bank TruRewards® Mastercard® Rewards

Minimum rewards rate	4x
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus (Points/Miles)	4000

What are the Banner Bank TruRewards® Mastercard® benefits?

Banner Bank TruRewards® Mastercard® provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Travel Accident Insurance
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Banner Bank TruRewards® Mastercard®?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Banner Bank TruRewards® Mastercard® has lower than average purchase APRs.

Banner Bank TruRewards® 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% .

What are the fees for Banner Bank TruRewards® Mastercard®?

The following fees apply to Banner Bank TruRewards® Mastercard®:

• There is no overlimit fee

Banner Bank TruRewards® Mastercard® Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	1.1%

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

Yes, Banner Bank TruRewards® 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 TruRewards® Mastercard®

• Visit the Banner Bank TruRewards® 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.