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  Banner Bank TruRewards® Mastercard®
Banner Bank TruRewards® Mastercard® Unaffiliated

Banner Bank TruRewards® Mastercard®

Unaffiliated
Net Recommendation Score +100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

1 user recommends
0 users are unsure
0 users don't recommend
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Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Fixed APR) 9.99% - 13.99%
Balance Transfer APR  (Fixed APR) 9.99% - 13.99%
Credit Score Range 650 - 850
Annual Fee $0

Banner Bank TruRewards® Mastercard® Review

This 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 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 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 will have good approval odds if your credit score is above 650.

Pros & Cons of Banner Bank TruRewards® 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.
  • 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 their purchases.
  • Banner Bank TruRewards® Mastercard® reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 1.1%.

Banner Bank TruRewards® Mastercard® FAQ

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

Banner Bank TruRewards® Mastercard® is a travel rewards card.

Banner Bank TruRewards® Mastercard® Rewards
Minimum rewards rate 4x
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus (Points/Miles) 4000

Does Banner Bank TruRewards® 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 TruRewards® Mastercard® offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Banner Bank TruRewards® Mastercard® benefits?

It 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 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 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% .

Does Banner Bank TruRewards® 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 TruRewards® Mastercard® Balance Transfers
Description
Balance Transfer Fee % After Intro Period 0%
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 TruRewards® 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 TruRewards® Mastercard®?

The following fees apply:

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

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does Banner Bank TruRewards® Mastercard® have a foreign transaction fee?

Banner Bank TruRewards® 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 TruRewards® Mastercard®?

The Banner Bank TruRewards® Mastercard® customer service number is (509) 527-3636.

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

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

What is the Banner Bank TruRewards® Mastercard® login page?

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

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

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

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.

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
Foreign Currency Transaction Fee 1.1%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Starting at $15
Late Fee Amount $20
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
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
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
  • Concierge
Rewards Categories
  • Points on Travel
  • Points on Airfare
  • Points on Car Rentals
  • Points on Retail
  • Points on Home Improvement Purchases
  • Points on Hotels
  • Points on Office Supplies
  • Points on Restaurants
  • Points on Insurance
  • Points on Every Purchase
  • Points on Entertainment
Signup Bonus (points) 4,000
Cash Advance APR (Fixed APR) 18%
Balance Computation Average daily balance (including new transactions).
Purchase APR (Fixed APR) 9.99% - 13.99%
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Introductory APR (Fixed APR) 5.24%
Balance Transfer Intro APR Period (Fixed APR) 2 months
Balance Transfer APR (Fixed APR) 9.99% - 13.99%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Low Interest
  • Travel
  • Airline
Card Network Mastercard

Banner Bank TruRewards® Mastercard® Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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