Banner BankTruRewards Mastercard Credit CardRegistry illustration · issuer artwork unavailable
TruRewards Mastercard Credit CardBanner Bank · NM bank, CA · FDIC 28489
CurrentLast observed Oct 14, 2026Source date Oct 14, 2026Official issuerCredit card · Consumer
Cash advance APR
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Foreign fee
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Grace period
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Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| APR for purchases | 15.49% variableBanner Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Low 15.49% variable APR on purchases and balance transfers”Banner Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR for balance transfers | 15.49% variableBanner Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Low 15.49% variable APR on purchases and balance transfers”Banner Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR for cash advances | — | no source read | |
| Penalty APRafter a late or returned payment | — | no source read | |
| Paying interestgrace period on new purchases | — | no source read | |
| Annual fee | No annual fee for unsecured cardBanner Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “A rewards card with low rates and no annual fee on unsecured cards.”Banner Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Transaction fees | |||
| Cash advance | — | no source read | |
| Balance transfer | — | no source read | |
| Foreign transaction | — | no source read | |
| Penalty fees | |||
| Late payment | — | no source read | |
| Returned payment | — | no source read | |
| APR qualificationsBalance transfer · Regular; Purchase · Regular | Low 15.49% variable APR on purchases and balance transfersBanner Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Low 15.49% variable APR on purchases and balance transfers”Banner Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Signup bonuspoints award | 4,000 points. Qualifying purchase amount is not disclosed. Qualification deadline is not disclosed. Award posting timing is not disclosed. Offer expiration not disclosed. Receive 4,000 points just for activating your cardBanner Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Receive 4,000 points just for activating your card”Banner Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Purchase rewardsNot disclosed | 4 points per $1. See source conditions for eligible purchases.Banner Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Earn 4 points on every $1 you spend on qualifying purchases”Banner Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Rewards conditionsPurchase rewards | Point posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. Earn 4 points on every $1 you spend on qualifying purchasesBanner Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Earn 4 points on every $1 you spend on qualifying purchases”Banner Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |