Last Updated: 07/28/2025
Banner Bank World Rewards 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)
Disclaimer popup with additional information
Balance Transfer APR (Fixed APR)
9.99% - 13.99%(Verified 06/21/2024)
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Credit Score Range
650 - 850
Annual Fee
$0
Banner Bank World Rewards Mastercard Review
This is a cashback credit card issued by Banner Bank. If you're wondering whether Banner Bank World Rewards 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 World Rewards 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 cashback card. It gives you cashback on your eligible 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, 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.
- 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 World Rewards Mastercard
| The Good | The Bad |
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Banner Bank World Rewards Mastercard FAQ
Does Banner Bank World Rewards Mastercard have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
Does Banner Bank World Rewards 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 World Rewards Mastercard offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Banner Bank World Rewards Mastercard benefits?
Banner Bank World Rewards Mastercard provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- Cell Phone Protection
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Banner Bank World Rewards 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 World Rewards 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 World Rewards 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 World Rewards 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 World Rewards Mastercard?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1.1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Starting at $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $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 cashback card.
There is a late fee starting at $20. Does Banner Bank World Rewards Mastercard have a foreign transaction fee?
Banner Bank World Rewards 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 World Rewards Mastercard?
The customer service number for Banner Bank World Rewards Mastercard is (509) 527-3636.
What is the support contact email for Banner Bank World Rewards Mastercard?
The support contact email for Banner Bank World Rewards Mastercard is merchantservices@bannerbank.com.
What is the login page for Banner Bank World Rewards Mastercard?
You can access the login page of Banner Bank World Rewards Mastercard here.
How do people rate the customer service and user experience of Banner Bank World Rewards Mastercard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Banner Bank World Rewards Mastercard report your account activity to credit bureaus?
Yes, Banner Bank World Rewards 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 World Rewards 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 World Rewards Mastercard
- Visit the website of Banner Bank World Rewards 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