Banner Bank World Rewards Mastercard

Banner Bank World Rewards Mastercard Review

This is a cashback 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

• Signup bonus. Offers a signup bonus of 4000 points that can be redeemed for travel, gifts, or other perks.
• Competitive 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 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 World Rewards Mastercard

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. You will receive 4% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $40 back in cash.

What are the Banner Bank World Rewards Mastercard benefits?

It 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?

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% .

What are the fees for Banner Bank World Rewards Mastercard?

The following fees apply:

• There is no overlimit fee

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

Does Banner Bank World Rewards Mastercard report your account activity to credit bureaus?

Yes, Banner Bank World Rewards 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 World Rewards Mastercard

• Visit the Banner Bank World Rewards 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.