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  INTRUST Bank Visa Signature Max Cash Preferred Card

INTRUST Bank Visa Signature Max Cash Preferred Card

in Personal Credit Cards from INTRUST Bank

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INTRUST Bank Visa Signature Max Cash Preferred Card

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in Personal Credit Cards from INTRUST Bank

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Highlights
Purchase APR  (Variable APR) 14.49% - 23.49%
Balance Transfer APR  (Variable APR) 14.49% - 23.49%
Credit Score Range 680 - 850
Annual Fee $0

INTRUST Bank Visa Signature Max Cash Preferred Card Review

This is a rewards credit card issued by INTRUST Bank. If you're wondering whether INTRUST Bank Visa Signature Max Cash Preferred Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a rewards rate of up to 5 reward points per dollar spent.
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • Competitive APRs. INTRUST Bank Visa Signature Max Cash Preferred Card has a variable purchase APR that ranges from 14.49% up to 23.49%.
  • 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 Max Cash Preferred 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.
  • Good or better credit required. You will have low approval odds if your credit score is below 680.
Pros & Cons of INTRUST Bank Visa Signature Max Cash Preferred Card
The Good The Bad
  • Earn 5% cash back on first $2,000 of combined quarterly purchases from two categories of your choice: Home Utilities, Cell Phone Providers, TV/Internet/Streaming and more.
  • Earn 2% unlimited cash back from one category: Gas Stations & Ground Transportation, Restaurants & Food Delivery or Grocery Stores & Grocery Delivery.
  • Earn 1% unlimited cash back on all other eligible purchases.
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • No annual fee.
  • Cardholders can earn rewards on their purchases.
  • INTRUST Bank Visa Signature Max Cash Preferred Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card benefits.
INTRUST Bank Visa Signature Max Cash Preferred Card FAQ

Does INTRUST Bank Visa Signature Max Cash Preferred Card have a cash back or rewards program?

INTRUST Bank Visa Signature Max Cash Preferred Card is a rewards card.

INTRUST Bank Visa Signature Max Cash Preferred Card Rewards
Minimum rewards rate 1x
Max rewards rate 5x
Annual rewards limit N/A
Signup Bonus ($) Up to $150
Signup Bonus Spend Requirement $500
Signup Bonus Spend Period (months) 3 months

Does INTRUST Bank Visa Signature Max Cash Preferred Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does INTRUST Bank Visa Signature Max Cash Preferred Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the INTRUST Bank Visa Signature Max Cash Preferred Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for INTRUST Bank Visa Signature Max Cash Preferred 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. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 14.49% up to 23.49%. The card has a variable balance transfer APR that ranges from 14.49% up to 23.49%. The card has a variable cash advance APR of up to 25.99%.

The good news is this card does not charge a penalty APR if you are late on a payment.

Does INTRUST Bank Visa Signature Max Cash Preferred Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.

INTRUST Bank Visa Signature Max Cash Preferred Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 14.49% - 23.49%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

Does INTRUST Bank Visa Signature Max Cash Preferred Card 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 INTRUST Bank Visa Signature Max Cash Preferred Card?

The following fees apply:

  • There is no overlimit fee
INTRUST Bank Visa Signature Max Cash Preferred Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $40
Late Payment Fee up to $40

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 Max Cash Preferred Card have a foreign transaction fee?

INTRUST Bank Visa Signature Max Cash Preferred Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. 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 INTRUST Bank Visa Signature Max Cash Preferred Card?

The INTRUST Bank Visa Signature Max Cash Preferred Card customer service number is (800) 895-2265.

What is the support contact email for INTRUST Bank Visa Signature Max Cash Preferred Card?

The support contact email for INTRUST Bank Visa Signature Max Cash Preferred Card is info@intrustbank.com.

Does INTRUST Bank Visa Signature Max Cash Preferred Card report your account activity to credit bureaus?

Yes, INTRUST Bank Visa Signature Max Cash Preferred 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 Visa Signature Max Cash Preferred Card

  • Visit the INTRUST Bank Visa Signature Max Cash Preferred 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.

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 8:00am - 5:00pm
  • Tuesday 8:00am - 5:00pm
  • Wednesday 8:00am - 5:00pm
  • Thursday 8:00am - 5:00pm
  • Friday 8:00am - 5:00pm
  • Saturday Closed

About INTRUST Bank Visa Signature Max Cash Preferred Card

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View all personal credit cards offered by INTRUST Bank

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

No Annual Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 24 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $2
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
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 680 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Categories
  • Points on Every Purchase
Signup Bonus Up to $150
Cash Advance APR (Variable APR) Up to 25.99%
Balance Computation Average daily balance (including new purchases).
Penalty APR (Variable APR) 0.0%
Purchase APR (Variable APR) 14.49% - 23.49%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 14.49% - 23.49%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
Card Network Visa

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