SuperMoney
Explore
Compare Rates

Compare All Credit Cards

Filter & compare all your options in one place.

View All Credit Cards
x No thanks, not right now
Advertiser Disclosure
  INTRUST Bank Visa Signature Real Rewards Card
INTRUST Bank Visa Signature Real Rewards Card
in Credit Cards from INTRUST Bank
Unaffiliated

INTRUST Bank Visa Signature Real Rewards Card

Unaffiliated
in Credit Cards from INTRUST Bank
Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend INTRUST Bank Visa Signature Real Rewards Card to your friends?

Thanks for your vote!

You voted: May or may not recommend

Change my vote
Highlights
Purchase APR  (Variable APR) 18.99% - 28.99%
(Verified 08/04/2023)
Balance Transfer APR  (Variable APR) 18.99% - 28.99%
(Verified 08/04/2023)
Credit Score Range 680 - 850
Annual Fee $0

INTRUST Bank Visa Signature Real Rewards Card Review

This is a rewards card issued by INTRUST Bank. If you're wondering whether INTRUST Bank Visa Signature Real 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.
  • After your first purchase, you'll get 2,500 bonus rewards points.
  • 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 Real 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.
  • 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 Real Rewards Card

The Good The Bad
  • Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back).
  • Reward bonus - $25 value awarded after first purchase, redeemable as a cash deposit or a statement credit.
  • 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.
  • Cardholders can earn rewards on purchases everywhere INTRUST Bank Visa Signature Real Rewards Card is accepted.
  • INTRUST Bank Visa Signature Real Rewards Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • You need good credit to qualify.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Charges a 3% balance transfer fee

INTRUST Bank Visa Signature Real Rewards Card FAQ

Does INTRUST Bank Visa Signature Real Rewards Card have a cash back or rewards program?

INTRUST Bank Visa Signature Real Rewards Card is a rewards card.

INTRUST Bank Visa Signature Real Rewards Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does INTRUST Bank Visa Signature Real Rewards Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does INTRUST Bank Visa Signature Real Rewards Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the INTRUST Bank Visa Signature Real Rewards 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 Real 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 Real 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%. The card has a variable cash advance APR of up to 30.49%.

Does INTRUST Bank Visa Signature Real Rewards 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 6 months.

INTRUST Bank Visa Signature Real Rewards Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 18.99% - 28.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

Does INTRUST Bank Visa Signature Real Rewards Card have an intro APR offer on new purchases?

INTRUST Bank Visa Signature Real Rewards Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 6 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 6 months.

What are the fees for INTRUST Bank Visa Signature Real Rewards Card?

The following fees apply:

  • There is no overlimit fee
INTRUST Bank Visa Signature Real Rewards Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Initial Program Fee $
Foreign Transaction Fee 3%
Returned Payment Fee Starting at $ up to $41
Late Payment Fee Starting at 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 Real Rewards Card have a foreign transaction fee?

INTRUST Bank Visa Signature Real Rewards 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 Real Rewards Card?

The INTRUST Bank Visa Signature Real Rewards Card customer service number is (800) 895-2265.

What is the support contact email for INTRUST Bank Visa Signature Real Rewards Card?

The support contact email for INTRUST Bank Visa Signature Real Rewards Card is info@intrustbank.com.

What is the INTRUST Bank Visa Signature Real Rewards Card login page?

You can access the INTRUST Bank Visa Signature Real Rewards Card login page here.

How do people rate the customer service and user experience of INTRUST Bank Visa Signature Real Rewards Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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

Yes, INTRUST Bank Visa Signature Real 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 Visa Signature Real Rewards Card

  • Visit the INTRUST Bank Visa Signature Real 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.

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 Real Rewards Card

Icon for Credit Cards
View all credit cards offered by INTRUST Bank
View INTRUST Bank Profile

Other Credit Cards by INTRUST Bank

Loading...

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • 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
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $1
Over-Limit Fee $0
No Interest Grace Period for Late Payment 24 days
Returned Payment Fee Up to $41
Late Fee Amount Up to $41
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Cash
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Other
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
Bonus Offer After your first purchase, you'll get 2,500 bonus rewards points.
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) Up to 30.49%
APR Type Variable APR
Balance Computation a method called 'average daily balance (including new purchases)'.
Purchase APR (Variable APR) 18.99% - 28.99%
(Verified 08/04/2023)
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 18.99% - 28.99%
(Verified 08/04/2023)
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
Card Network Visa

Be the first to rate

 

Would you recommend INTRUST Bank Visa Signature Real Rewards Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Credit Cards

Mostly recommended

31 Reviews

Strongly recommended

19 Reviews

Strongly recommended

29 Reviews

View All
Browse Credit Cards
SuperMoney
Best Picks
Partner with us
Go to homepage
AICPA SOC for Service Organizations badge SOC 2 Type II Monitored by Vanta badge

Copyright 2023 SuperMoney, LLC. All rights reserved.

SuperMoney Advertiser Disclosure

*SuperMoney is not responsible for third party products, services, sites, recommendations, endorsements, reviews, etc. All products, logos, and company names are trademarks™ or registered® trademarks of their respective holders. Their use does not signify or suggest the endorsement, affiliation, or sponsorship, of or by SuperMoney or them of us.

Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any financial institution. This editorial content is not provided by any financial institution.

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. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). SuperMoney strives to provide a wide array of offers for our users, but our offers do not represent all financial services companies or products.

We endeavor to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide.

† To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.