Last Updated: 07/28/2025
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Highlights
Purchase APR (Fixed APR)
9.99% - 13.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Fixed APR)
9.99% - 13.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
650 - 850
Annual Fee
$0
Banner Bank TruRewards® Mastercard® Review
This is a travel card issued by Banner Bank. If you're wondering whether Banner Bank TruRewards® 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 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 up to 1.1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Banner Bank TruRewards® Mastercard®
| The Good | The Bad |
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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.
| Description |
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?
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 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 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 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% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1.1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
There is a late fee of up to $20 . Does Banner Bank TruRewards® Mastercard® have a foreign transaction fee?
Banner Bank TruRewards® 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 TruRewards® Mastercard®?
The customer service number for Banner Bank TruRewards® Mastercard® 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.
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 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 TruRewards® 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 TruRewards® Mastercard®
- Visit the website of Banner Bank TruRewards® 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.
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.
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
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Other Credit Cards from Banner Bank
Rating not yet determined
Purchase APR
9.99% - 13.99%
Disclaimer popup with additional information
Balance Transfer APR
9.99% - 13.99%
Disclaimer popup with additional information
Credit Score Range
350 - 600
300
850
Annual Fee
$25
Rating not yet determined
Purchase APR
9.99% - 13.99%
Disclaimer popup with additional information
Balance Transfer APR
9.99% - 13.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
0
-1000+100
No one recommends
Everyone recommends
Banner Bank TruRewards® Mastercard® Community Reviews
Would you recommend Banner Bank TruRewards® Mastercard® to your friends?
KY
Kathleen Y.
Dec 7, 2022
May or may not recommend
Was a customer for many years. Had purchased an airline ticket with points Seattle to Japan. Covid came, so we changed our trip to Costa Rica with very few cases. Two weeks before our trip, Costa Rica closed to USA flights. Talking to Banner Rewards Travel unit, they were going to credit my flight due to Covid regulations. ...Show More
SR
Samuel R.
Jun 30, 2022
May or may not recommend
Having had this card for approximately six years, I can safely say that this is strongly recommended. Throughout the entire time I have owned this card, I have not incurred a single fee, with no annual fee and a lower than average APR. The only downside is that 1.1% foreign currency transaction fee, but this fee is rather small compared to other cards with such a fee. I have had ...Show More
Showing 2 of 2 reviews
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