SuperMoney
  Banner Bank TruRewards® Mastercard®

Banner Bank TruRewards® Mastercard®

in Personal Credit Cards from Banner Bank

Unaffiliated

Banner Bank TruRewards® Mastercard®

Unaffiliated

in Personal Credit Cards from Banner Bank

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend Banner Bank TruRewards® Mastercard® to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
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

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.

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 stand a chance of qualifying if your credit score is not below 650.
Banner Bank TruRewards® Mastercard® Pros & Cons
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%.
Banner Bank TruRewards® Mastercard® FAQ

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

Does Banner Bank TruRewards® Mastercard® have a signup bonus?

Banner Bank TruRewards® Mastercard® 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?

Banner Bank TruRewards® Mastercard® doesn't offer a cash loyalty bonus.

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% .

Does Banner Bank TruRewards® Mastercard® have an introductory APR offer on balance transfers?

Yes, Banner Bank TruRewards® Mastercard® offers an introductory 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 introductory APR offer on new purchases?

Banner Bank TruRewards® Mastercard® does not offer an introductory rate on new purchases.
Banner Bank TruRewards® Mastercard® Purchase Intro Offer
Description

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® 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 a foreign transaction fee.

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.

Contact

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

Other Services by Banner Bank

Icon for Personal Credit Cards
View all personal credit cards offered by Banner Bank

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • 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
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) Starting at 4
Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) $0
No Annual Fee
Annual 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%
Returned Payment Fee Starting at $15
Late Fee Amount Starting at $20
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Concierge
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
Rewards Categories
  • Office Supplies
  • Entertainment
  • Every Purchase
  • Insurance
  • Travel
  • Restaurants
  • Hotels
  • Airfare
  • Home Improvement Purchases
  • Retail
  • Car Rentals
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

Be the first to rate

 

Would you recommend Banner Bank TruRewards® Mastercard® to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

SUPERMONEY NET RECOMMENDATION SCORE

0

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.

Other Personal Credit Cards

Banner Bank Personal Credit Cards

Loading...