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  Banner Bank World Rewards Mastercard

Banner Bank World Rewards Mastercard

in Personal Credit Cards from Banner Bank

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Banner Bank World Rewards Mastercard

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in Personal Credit Cards from Banner Bank

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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 World Rewards Mastercard Review

Banner Bank World Rewards Mastercard 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. 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 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 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 oods if your credit score is above650.
Banner Bank World Rewards 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, if you transfer the balance within 0 day. After the intro period, the fee is 0% with a minimum of $0.
  • 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 World Rewards Mastercard is accepted.
  • Banner Bank World Rewards Mastercard reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 1.1%.
Banner Bank World Rewards Mastercard FAQ

Is there a Banner Bank World Rewards Mastercard cash back or rewards program?

Banner Bank World Rewards Mastercard is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Banner Bank World Rewards Mastercard you receive 4% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $40 back in cash.

Banner Bank World Rewards Mastercard Rewards
Minimum rewards rate 4x
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus (Points/Miles) 4000
Annual Loyalty Bonus (Points/Miles) 10000
Annual Loyalty Bonus Spend Requirement $10000

Does Banner Bank World Rewards Mastercard have a signup bonus?

Banner Bank World Rewards 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 World Rewards Mastercard offer an annual loyalty bonus?

Banner Bank World Rewards Mastercard doesn't offer a cash loyalty bonus. However, it does include an annual loyalty bonus of 10000 points after spending $10000 that can be redeemed for travel, gifts, and other perks.

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
  • Cellular Telephone 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Banner Bank World Rewards Mastercard has lower than average purchase 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 introductory APR offer on balance transfers?

Yes, Banner Bank World Rewards Mastercard offers an introductory APR rate on balance transfers of 5.24% for a period of up to 2 months.

Banner Bank World Rewards Mastercard Balance Transfers
Description
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Fee Intro Period 0 days
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 World Rewards Mastercard have an introductory APR offer on new purchases?

Banner Bank World Rewards Mastercard does not offer an introductory rate on new purchases.

What are the fees for Banner Bank World Rewards Mastercard?

The following fees apply to Banner Bank World Rewards Mastercard:

  • There is no overlimit fee
Banner Bank World Rewards Mastercard Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 1.1%

Does Banner Bank World Rewards Mastercard have a foreign transaction fee?

Banner Bank World Rewards 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 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.

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

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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
  • Retired
  • Self-Employed
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
  • Cellular Telephone Protection
  • Concierge
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
Annual Loyalty Bonus (points) 10,000
Annual Loyalty Bonus Spend Requirement $10,000
Rewards Rates
  • 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)
Credit Limit Starting at $15,000
Purchase APR (Fixed APR) 9.99% - 13.99%
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Fee Intro Period 0 days
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
  • Cashback
  • Travel
  • Airline
Card Network Mastercard

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