INTRUST Bank Visa Signature® Everyday Rewards Card

INTRUST Bank Visa Signature® Everyday Rewards Card Review

This is a rewards card issued by INTRUST Bank. If you're wondering whether INTRUST Bank rewards card is the right card for you, read on.

Key Takeaways

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter than the average 0% APR period of 12 months.
• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
• $150 bonus (15,000 points) after $500 in eligible net purchases are made within the first 90 days of account opening.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 18.99% up to 28.99%.
• 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.
• 3% Balance transfer fee. INTRUST Bank Visa Signature® Everyday Rewards Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
• Multiple credit card benefits. Includes generous credit card perks, such as emergency support, identity theft 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 INTRUST Bank rewards card

The Good

The Bad

0% APR balance transfer intro rate on balance transfers for up to 6 months. 0% APR on new purchases during the first 6 months. There is then a variable purchase APR that ranges from 18.99% up to 28.99%. No annual fee. Multiple credit card perks. Identity Theft Protection. Travel accident and travel assistance insurance. Cardholders can earn rewards on their purchases. INTRUST Bank Visa Signature® Everyday Rewards Card reports to multiple credit bureaus.

Higher than average purchase APRs. Charges a foreign transaction fee of 3%. You don't earn rewards on every purchase. Charges a 3% balance transfer fee.

INTRUST Bank rewards card FAQ

Does INTRUST Bank rewards card have a cash back or rewards program?

INTRUST Bank rewards card is a rewards card.

INTRUST Bank rewards card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)
Signup Bonus (Points/Miles)	15000

What are the INTRUST Bank rewards card benefits?

It provides the following benefits:

• Emergency Support
• Zero fraud liability
• Travel Accident Insurance
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for INTRUST Bank rewards card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

INTRUST Bank Visa Signature® Everyday Rewards Card has a variable purchase APR that ranges from 18.99% up to 28.99%. The card has a variable balance transfer APR that ranges from 18.99% up to 28.99%. It also has a variable cash advance APR of 30.49% .

What are the fees for INTRUST Bank rewards card?

The following fees apply:

• There is no overlimit fee

INTRUST Bank rewards card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	3%
Returned Payment Fee	up to $41
Late Payment Fee	up to $41

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

Does INTRUST Bank Visa Signature® Everyday Rewards Card report your account activity to credit bureaus?

Yes, INTRUST Bank Visa Signature® Everyday Rewards Card 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 INTRUST Bank rewards card

• Visit the INTRUST Bank rewards card 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.