{"data":{"path":"banner-bank/trurewards-mastercard-credit-card","artwork":{"path":"banner-bank/trurewards-mastercard-credit-card","url":"/v1/product-artwork/banner-bank/trurewards-mastercard-credit-card/ca926eb54b74161c39072db1761db375fa3326f43ed13561a36241a2c4c7cba6.webp","sha256":"ca926eb54b74161c39072db1761db375fa3326f43ed13561a36241a2c4c7cba6","width":160,"height":116,"sourceUrl":"https://www.bannerbank.com/-/media/project/banner-bank/dotcom/home/promotions/580x420-home-mobile-creditcards.png?rev=ff1b12bf6e994f81b291a30c47bda812&hash=B81704DFBA4CC364BAC0175328ED1352","sourcePageUrl":"https://www.bannerbank.com/personal","capturedAt":"2026-10-18T09:24:43.368Z"},"name":"TruRewards Mastercard Credit Card","officialName":"TruRewards Mastercard Credit Card","type":"credit_card","audience":"consumer","lifecycleStatus":"active","owner":{"name":"Banner Bank","handle":"banner-bank"},"institution":{"name":"Banner Bank","handle":"banner-bank"},"actualIssuerName":null,"standardOffer":{"id":"2879","offerKind":"standard","channel":null,"nameAsFiled":"TruRewards Mastercard Credit Card","handle":null,"terms":{"productId":"4063","path":"banner-bank/trurewards-mastercard-credit-card","name":"TruRewards Mastercard Credit Card","officialName":"TruRewards Mastercard Credit Card","aliases":[],"institutionId":"71834","institutionName":"Banner Bank","institutionHandle":"banner-bank","issuerName":null,"productType":"credit_card","audience":"consumer","audienceSegments":["consumer"],"lifecycleStatus":"active","offerKind":"standard","channel":null,"secured":null,"network":null,"targetedCreditTier":null,"gracePeriodDays":null,"minimumFinanceChargeCents":null,"balanceComputationMethod":null,"periodicFeeFrequency":null,"periodicFeeCents":0,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":1549,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":1549,"purchaseRegularMaxBps":1549,"purchaseIntroAllBps":null,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":null,"purchaseIntroMaxBps":null,"balanceTransferRegularAllBps":1549,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":1549,"balanceTransferRegularMaxBps":1549,"balanceTransferIntroAllBps":null,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":null,"balanceTransferIntroMaxBps":null,"cashAdvanceRegularAllBps":null,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":null,"cashAdvanceRegularMaxBps":null,"penaltyRegularAllBps":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":"unknown","balanceTransferIntroNullReason":"unknown","purchaseRateType":"variable","variableRateIndex":null,"annualFeeAmountCents":0,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":"not_offered","purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":"unknown","balanceTransferFeeAmountCents":null,"balanceTransferFeePercentBps":null,"balanceTransferFeeMinimumCents":null,"balanceTransferFeeNullReason":"unknown","cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":"unknown","foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":"unknown","latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":"unknown","overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":"unknown","returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":"unknown","otherFeeAmountCents":null,"otherFeePercentBps":null,"otherFeeMinimumCents":null,"otherFeeNullReason":"unknown","lateRepeatFeeAmountCents":null,"availabilityScope":null,"availabilityStateCodes":[],"availabilityCountyScoped":null,"requirementsForOpening":null,"requirementRouteTypes":[],"featureTokens":[],"consumerWebsite":null,"consumerTelephone":null,"loanMinimumAmountCents":null,"loanMaximumAmountCents":null,"loanMinimumTermMonths":null,"loanMaximumTermMonths":null,"loanCollateralType":null,"loanRateMinBps":null,"loanRateMaxBps":null,"loanPrepaymentPenalty":null,"sourceKinds":["official_issuer"],"sourceDocumentPath":null,"sourceDocumentTitle":null,"sourceDocumentPage":null,"offerCount":1,"minPurchaseAprBps":1549,"maxPurchaseAprBps":1549,"freshness":"current"},"aprTerms":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T15:03:01.891Z","sources":[{"snapshotId":"53395","sourceKind":"official_issuer","publisherName":"Banner Bank","capturedAt":"2026-10-14T15:03:01.891Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.bannerbank.com/personal/credit-cards/trurewards-mastercard","passageId":"a7a90b845e50c5d35a756afdfd630810","pageNumber":null,"quote":"Low 15.49% variable APR on purchases and balance transfers","recordId":"official-issuer:page:url:c5058d77ef4d61b71fa636edabed9baba8173a6c85d810bcc0d4250355e9bd00","recordFields":[],"fieldKey":"apr:balance_transfer:regular:all:0"},{"snapshotId":"53395","sourceKind":"official_issuer","publisherName":"Banner Bank","capturedAt":"2026-10-14T15:03:01.891Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.bannerbank.com/personal/credit-cards/trurewards-mastercard","passageId":"a7a90b845e50c5d35a756afdfd630810","pageNumber":null,"quote":"Low 15.49% variable APR on purchases and balance transfers","recordId":"official-issuer:page:url:c5058d77ef4d61b71fa636edabed9baba8173a6c85d810bcc0d4250355e9bd00","recordFields":[],"fieldKey":"apr:balance_transfer:regular:conditions"}],"purpose":"balance_transfer","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":1549,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":1549,"maximumBpsNullReason":null,"indexName":null,"marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":null,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":null,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":null,"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":"Low 15.49% variable APR on purchases and balance transfers","eligibilityConditionSources":[{"snapshotId":"53395","sourceKind":"official_issuer","publisherName":"Banner Bank","capturedAt":"2026-10-14T15:03:01.891Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.bannerbank.com/personal/credit-cards/trurewards-mastercard","passageId":"a7a90b845e50c5d35a756afdfd630810","pageNumber":null,"quote":"Low 15.49% variable APR on purchases and balance transfers","recordId":"official-issuer:page:url:c5058d77ef4d61b71fa636edabed9baba8173a6c85d810bcc0d4250355e9bd00","recordFields":[],"fieldKey":"apr:balance_transfer:regular:conditions"}],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"53395","sourceKind":"official_issuer","publisherName":"Banner Bank","capturedAt":"2026-10-14T15:03:01.891Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.bannerbank.com/personal/credit-cards/trurewards-mastercard","passageId":"a7a90b845e50c5d35a756afdfd630810","pageNumber":null,"quote":"Low 15.49% variable APR on purchases and balance transfers","recordId":"official-issuer:page:url:c5058d77ef4d61b71fa636edabed9baba8173a6c85d810bcc0d4250355e9bd00","recordFields":[],"fieldKey":"apr:balance_transfer:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T15:03:01.891Z","sources":[{"snapshotId":"53395","sourceKind":"official_issuer","publisherName":"Banner Bank","capturedAt":"2026-10-14T15:03:01.891Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.bannerbank.com/personal/credit-cards/trurewards-mastercard","passageId":"a7a90b845e50c5d35a756afdfd630810","pageNumber":null,"quote":"Low 15.49% variable APR on purchases and balance transfers","recordId":"official-issuer:page:url:c5058d77ef4d61b71fa636edabed9baba8173a6c85d810bcc0d4250355e9bd00","recordFields":[],"fieldKey":"apr:purchase:regular:all:0"},{"snapshotId":"53395","sourceKind":"official_issuer","publisherName":"Banner Bank","capturedAt":"2026-10-14T15:03:01.891Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.bannerbank.com/personal/credit-cards/trurewards-mastercard","passageId":"a7a90b845e50c5d35a756afdfd630810","pageNumber":null,"quote":"Low 15.49% variable APR on purchases and balance transfers","recordId":"official-issuer:page:url:c5058d77ef4d61b71fa636edabed9baba8173a6c85d810bcc0d4250355e9bd00","recordFields":[],"fieldKey":"apr:purchase:regular:conditions"}],"purpose":"purchase","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":1549,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":1549,"maximumBpsNullReason":null,"indexName":null,"marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":null,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":null,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":null,"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":"Low 15.49% variable APR on purchases and balance transfers","eligibilityConditionSources":[{"snapshotId":"53395","sourceKind":"official_issuer","publisherName":"Banner Bank","capturedAt":"2026-10-14T15:03:01.891Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.bannerbank.com/personal/credit-cards/trurewards-mastercard","passageId":"a7a90b845e50c5d35a756afdfd630810","pageNumber":null,"quote":"Low 15.49% variable APR on purchases and balance transfers","recordId":"official-issuer:page:url:c5058d77ef4d61b71fa636edabed9baba8173a6c85d810bcc0d4250355e9bd00","recordFields":[],"fieldKey":"apr:purchase:regular:conditions"}],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"53395","sourceKind":"official_issuer","publisherName":"Banner Bank","capturedAt":"2026-10-14T15:03:01.891Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.bannerbank.com/personal/credit-cards/trurewards-mastercard","passageId":"a7a90b845e50c5d35a756afdfd630810","pageNumber":null,"quote":"Low 15.49% variable APR on purchases and balance transfers","recordId":"official-issuer:page:url:c5058d77ef4d61b71fa636edabed9baba8173a6c85d810bcc0d4250355e9bd00","recordFields":[],"fieldKey":"apr:purchase:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}}],"fees":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T15:03:01.891Z","sources":[{"snapshotId":"52125","sourceKind":"official_issuer","publisherName":"Banner Bank","capturedAt":"2026-10-14T05:51:22.850Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.bannerbank.com/personal/credit-cards","passageId":"9c0a0fea2944da8d828098b5c6f072db","pageNumber":null,"quote":"A rewards card with low rates and no annual fee on unsecured cards.","recordId":"official-issuer:page:url:30095040d4c4802fdd4abfac1a07b8b3ff48c245eb4f1f2f7d18eef9149f8b65","recordFields":[],"fieldKey":"annual_fee"},{"snapshotId":"53395","sourceKind":"official_issuer","publisherName":"Banner Bank","capturedAt":"2026-10-14T15:03:01.891Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.bannerbank.com/personal/credit-cards/trurewards-mastercard","passageId":"4d8779f4711b06b06272ab709076d752","pageNumber":null,"quote":"No annual fee for unsecured card","recordId":"official-issuer:page:url:c5058d77ef4d61b71fa636edabed9baba8173a6c85d810bcc0d4250355e9bd00","recordFields":[],"fieldKey":"annual_fee"}],"feeType":"annual","feeFrequency":"annual","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_offered","percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_applicable","feeScope":"account","calculation":null,"explanation":"No annual fee for unsecured card"}],"cardTerms":null,"signupBonuses":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T15:03:01.891Z","sources":[{"snapshotId":"53395","sourceKind":"official_issuer","publisherName":"Banner Bank","capturedAt":"2026-10-14T15:03:01.891Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.bannerbank.com/personal/credit-cards/trurewards-mastercard","passageId":"e00db54687f90b711e45fec1a230d40a","pageNumber":null,"quote":"Receive 4,000 points just for activating your card","recordId":"official-issuer:page:url:c5058d77ef4d61b71fa636edabed9baba8173a6c85d810bcc0d4250355e9bd00","recordFields":[],"fieldKey":"signup_bonus"}],"bonusKey":"signup_bonus","qualifyingMonthsAfterAccountOpening":null,"qualifyingMonthsNullReason":"not_applicable","payoutWeeksMinimum":null,"payoutWeeksMaximum":null,"payoutWeeksNullReason":"not_applicable","payoutWeeksAnchor":null,"bonusPoints":4000,"minimumPurchaseCents":null,"minimumPurchaseNullReason":"not_disclosed","qualifyingDaysAfterAccountOpening":null,"qualifyingDaysNullReason":"not_disclosed","statementCreditRedemptionCents":null,"statementCreditRedemptionNullReason":"not_disclosed","payoutStatementCyclesMinimum":null,"payoutStatementCyclesMaximum":null,"payoutStatementCyclesNullReason":"not_disclosed","expirationOn":null,"expirationNullReason":"not_disclosed","conditions":"Receive 4,000 points just for activating your card","qualificationConditions":[],"qualificationConditionSources":[]}],"cardRewards":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T15:03:01.891Z","sources":[{"snapshotId":"53395","sourceKind":"official_issuer","publisherName":"Banner Bank","capturedAt":"2026-10-14T15:03:01.891Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.bannerbank.com/personal/credit-cards/trurewards-mastercard","passageId":"1a6ec8ddaf30d9056eb99e37483469c2","pageNumber":null,"quote":"Earn 4 points on every $1 you spend on qualifying purchases","recordId":"official-issuer:page:url:c5058d77ef4d61b71fa636edabed9baba8173a6c85d810bcc0d4250355e9bd00","recordFields":[],"fieldKey":"card_reward"}],"groupKey":"purchase-rewards","tierKey":"purchase-points","groupLabel":"Purchase rewards","pointsPerDollar":4,"merchantCategoryCodes":[],"merchantCategoryCodesNullReason":"not_disclosed","categoryComplement":false,"redemptionOptions":[],"minimumQualifyingPurchaseCents":null,"minimumPurchaseNullReason":"not_disclosed","maximumQualifyingPurchaseCents":null,"maximumPurchaseNullReason":"not_disclosed","qualificationPeriod":null,"qualificationPeriodNullReason":"not_disclosed","pointsPostingMaximumDays":null,"pointsPostingNullReason":"not_disclosed","pointsExpirationYears":null,"pointsExpirationAnchor":null,"pointsExpirationPolicy":null,"pointsRedemptionDaysAfterClosure":null,"pointsRedemptionAfterClosureNullReason":"not_disclosed","pointsExpirationNullReason":"not_disclosed","redemptionOptionsNullReason":"not_disclosed","conditions":"Earn 4 points on every $1 you spend on qualifying purchases","qualificationConditions":[],"qualificationConditionSources":[]}],"cashBenefits":[],"cardLinks":[],"cardWithholdings":[{"observationKind":"card_reward","fieldKey":"unparsed-174","reason":"unparsed_value","detail":"Get rewarded just for using your card. Earn rewards on all purchases. Redeem them for cash back, travel, gift cards and more. In addition, when you redeem points online, you unlock boosted rewards up to $25","sources":[{"snapshotId":"52125","sourceKind":"official_issuer","publisherName":"Banner Bank","capturedAt":"2026-10-14T05:51:22.850Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.bannerbank.com/personal/credit-cards","passageId":"c013583908487560f5d3afaedaac5c69","pageNumber":null,"quote":"Get rewarded just for using your card. Earn rewards on all purchases. Redeem them for cash back, travel, gift cards and more. In addition, when you redeem points online, you unlock boosted rewards up to $25","recordId":"official-issuer:page:url:30095040d4c4802fdd4abfac1a07b8b3ff48c245eb4f1f2f7d18eef9149f8b65","recordFields":[],"fieldKey":"withheld:card_reward:unparsed-174"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]},"offers":[{"id":"2879","offerKind":"standard","channel":null,"nameAsFiled":"TruRewards Mastercard Credit Card","handle":null,"terms":{"productId":"4063","path":"banner-bank/trurewards-mastercard-credit-card","name":"TruRewards Mastercard Credit Card","officialName":"TruRewards Mastercard Credit Card","aliases":[],"institutionId":"71834","institutionName":"Banner Bank","institutionHandle":"banner-bank","issuerName":null,"productType":"credit_card","audience":"consumer","audienceSegments":["consumer"],"lifecycleStatus":"active","offerKind":"standard","channel":null,"secured":null,"network":null,"targetedCreditTier":null,"gracePeriodDays":null,"minimumFinanceChargeCents":null,"balanceComputationMethod":null,"periodicFeeFrequency":null,"periodicFeeCents":0,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":1549,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":1549,"purchaseRegularMaxBps":1549,"purchaseIntroAllBps":null,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":null,"purchaseIntroMaxBps":null,"balanceTransferRegularAllBps":1549,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":1549,"balanceTransferRegularMaxBps":1549,"balanceTransferIntroAllBps":null,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":null,"balanceTransferIntroMaxBps":null,"cashAdvanceRegularAllBps":null,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":null,"cashAdvanceRegularMaxBps":null,"penaltyRegularAllBps":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":"unknown","balanceTransferIntroNullReason":"unknown","purchaseRateType":"variable","variableRateIndex":null,"annualFeeAmountCents":0,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":"not_offered","purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":"unknown","balanceTransferFeeAmountCents":null,"balanceTransferFeePercentBps":null,"balanceTransferFeeMinimumCents":null,"balanceTransferFeeNullReason":"unknown","cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":"unknown","foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":"unknown","latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":"unknown","overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":"unknown","returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":"unknown","otherFeeAmountCents":null,"otherFeePercentBps":null,"otherFeeMinimumCents":null,"otherFeeNullReason":"unknown","lateRepeatFeeAmountCents":null,"availabilityScope":null,"availabilityStateCodes":[],"availabilityCountyScoped":null,"requirementsForOpening":null,"requirementRouteTypes":[],"featureTokens":[],"consumerWebsite":null,"consumerTelephone":null,"loanMinimumAmountCents":null,"loanMaximumAmountCents":null,"loanMinimumTermMonths":null,"loanMaximumTermMonths":null,"loanCollateralType":null,"loanRateMinBps":null,"loanRateMaxBps":null,"loanPrepaymentPenalty":null,"sourceKinds":["official_issuer"],"sourceDocumentPath":null,"sourceDocumentTitle":null,"sourceDocumentPage":null,"offerCount":1,"minPurchaseAprBps":1549,"maxPurchaseAprBps":1549,"freshness":"current"},"aprTerms":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T15:03:01.891Z","sources":[{"snapshotId":"53395","sourceKind":"official_issuer","publisherName":"Banner Bank","capturedAt":"2026-10-14T15:03:01.891Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.bannerbank.com/personal/credit-cards/trurewards-mastercard","passageId":"a7a90b845e50c5d35a756afdfd630810","pageNumber":null,"quote":"Low 15.49% variable APR on purchases and balance transfers","recordId":"official-issuer:page:url:c5058d77ef4d61b71fa636edabed9baba8173a6c85d810bcc0d4250355e9bd00","recordFields":[],"fieldKey":"apr:balance_transfer:regular:all:0"},{"snapshotId":"53395","sourceKind":"official_issuer","publisherName":"Banner Bank","capturedAt":"2026-10-14T15:03:01.891Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.bannerbank.com/personal/credit-cards/trurewards-mastercard","passageId":"a7a90b845e50c5d35a756afdfd630810","pageNumber":null,"quote":"Low 15.49% variable APR on purchases and balance transfers","recordId":"official-issuer:page:url:c5058d77ef4d61b71fa636edabed9baba8173a6c85d810bcc0d4250355e9bd00","recordFields":[],"fieldKey":"apr:balance_transfer:regular:conditions"}],"purpose":"balance_transfer","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":1549,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":1549,"maximumBpsNullReason":null,"indexName":null,"marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":null,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":null,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":null,"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":"Low 15.49% variable APR on purchases and balance transfers","eligibilityConditionSources":[{"snapshotId":"53395","sourceKind":"official_issuer","publisherName":"Banner Bank","capturedAt":"2026-10-14T15:03:01.891Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.bannerbank.com/personal/credit-cards/trurewards-mastercard","passageId":"a7a90b845e50c5d35a756afdfd630810","pageNumber":null,"quote":"Low 15.49% variable APR on purchases and balance transfers","recordId":"official-issuer:page:url:c5058d77ef4d61b71fa636edabed9baba8173a6c85d810bcc0d4250355e9bd00","recordFields":[],"fieldKey":"apr:balance_transfer:regular:conditions"}],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"53395","sourceKind":"official_issuer","publisherName":"Banner Bank","capturedAt":"2026-10-14T15:03:01.891Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.bannerbank.com/personal/credit-cards/trurewards-mastercard","passageId":"a7a90b845e50c5d35a756afdfd630810","pageNumber":null,"quote":"Low 15.49% variable APR on purchases and balance transfers","recordId":"official-issuer:page:url:c5058d77ef4d61b71fa636edabed9baba8173a6c85d810bcc0d4250355e9bd00","recordFields":[],"fieldKey":"apr:balance_transfer:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T15:03:01.891Z","sources":[{"snapshotId":"53395","sourceKind":"official_issuer","publisherName":"Banner Bank","capturedAt":"2026-10-14T15:03:01.891Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.bannerbank.com/personal/credit-cards/trurewards-mastercard","passageId":"a7a90b845e50c5d35a756afdfd630810","pageNumber":null,"quote":"Low 15.49% variable APR on purchases and balance transfers","recordId":"official-issuer:page:url:c5058d77ef4d61b71fa636edabed9baba8173a6c85d810bcc0d4250355e9bd00","recordFields":[],"fieldKey":"apr:purchase:regular:all:0"},{"snapshotId":"53395","sourceKind":"official_issuer","publisherName":"Banner Bank","capturedAt":"2026-10-14T15:03:01.891Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.bannerbank.com/personal/credit-cards/trurewards-mastercard","passageId":"a7a90b845e50c5d35a756afdfd630810","pageNumber":null,"quote":"Low 15.49% variable APR on purchases and balance transfers","recordId":"official-issuer:page:url:c5058d77ef4d61b71fa636edabed9baba8173a6c85d810bcc0d4250355e9bd00","recordFields":[],"fieldKey":"apr:purchase:regular:conditions"}],"purpose":"purchase","phase":"regular","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":"variable","rateTypeNullReason":null,"minimumBps":1549,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":1549,"maximumBpsNullReason":null,"indexName":null,"marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":null,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":null,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":null,"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":null,"durationBillingCyclesNullReason":null,"eligibilityConditions":"Low 15.49% variable APR on purchases and balance transfers","eligibilityConditionSources":[{"snapshotId":"53395","sourceKind":"official_issuer","publisherName":"Banner Bank","capturedAt":"2026-10-14T15:03:01.891Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.bannerbank.com/personal/credit-cards/trurewards-mastercard","passageId":"a7a90b845e50c5d35a756afdfd630810","pageNumber":null,"quote":"Low 15.49% variable APR on purchases and balance transfers","recordId":"official-issuer:page:url:c5058d77ef4d61b71fa636edabed9baba8173a6c85d810bcc0d4250355e9bd00","recordFields":[],"fieldKey":"apr:purchase:regular:conditions"}],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"53395","sourceKind":"official_issuer","publisherName":"Banner Bank","capturedAt":"2026-10-14T15:03:01.891Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.bannerbank.com/personal/credit-cards/trurewards-mastercard","passageId":"a7a90b845e50c5d35a756afdfd630810","pageNumber":null,"quote":"Low 15.49% variable APR on purchases and balance transfers","recordId":"official-issuer:page:url:c5058d77ef4d61b71fa636edabed9baba8173a6c85d810bcc0d4250355e9bd00","recordFields":[],"fieldKey":"apr:purchase:regular:all:0"}],"daily_periodic_rate":[],"margin":[]}}],"fees":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T15:03:01.891Z","sources":[{"snapshotId":"52125","sourceKind":"official_issuer","publisherName":"Banner Bank","capturedAt":"2026-10-14T05:51:22.850Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.bannerbank.com/personal/credit-cards","passageId":"9c0a0fea2944da8d828098b5c6f072db","pageNumber":null,"quote":"A rewards card with low rates and no annual fee on unsecured cards.","recordId":"official-issuer:page:url:30095040d4c4802fdd4abfac1a07b8b3ff48c245eb4f1f2f7d18eef9149f8b65","recordFields":[],"fieldKey":"annual_fee"},{"snapshotId":"53395","sourceKind":"official_issuer","publisherName":"Banner Bank","capturedAt":"2026-10-14T15:03:01.891Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.bannerbank.com/personal/credit-cards/trurewards-mastercard","passageId":"4d8779f4711b06b06272ab709076d752","pageNumber":null,"quote":"No annual fee for unsecured card","recordId":"official-issuer:page:url:c5058d77ef4d61b71fa636edabed9baba8173a6c85d810bcc0d4250355e9bd00","recordFields":[],"fieldKey":"annual_fee"}],"feeType":"annual","feeFrequency":"annual","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_offered","percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_applicable","feeScope":"account","calculation":null,"explanation":"No annual fee for unsecured card"}],"cardTerms":null,"signupBonuses":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T15:03:01.891Z","sources":[{"snapshotId":"53395","sourceKind":"official_issuer","publisherName":"Banner Bank","capturedAt":"2026-10-14T15:03:01.891Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.bannerbank.com/personal/credit-cards/trurewards-mastercard","passageId":"e00db54687f90b711e45fec1a230d40a","pageNumber":null,"quote":"Receive 4,000 points just for activating your card","recordId":"official-issuer:page:url:c5058d77ef4d61b71fa636edabed9baba8173a6c85d810bcc0d4250355e9bd00","recordFields":[],"fieldKey":"signup_bonus"}],"bonusKey":"signup_bonus","qualifyingMonthsAfterAccountOpening":null,"qualifyingMonthsNullReason":"not_applicable","payoutWeeksMinimum":null,"payoutWeeksMaximum":null,"payoutWeeksNullReason":"not_applicable","payoutWeeksAnchor":null,"bonusPoints":4000,"minimumPurchaseCents":null,"minimumPurchaseNullReason":"not_disclosed","qualifyingDaysAfterAccountOpening":null,"qualifyingDaysNullReason":"not_disclosed","statementCreditRedemptionCents":null,"statementCreditRedemptionNullReason":"not_disclosed","payoutStatementCyclesMinimum":null,"payoutStatementCyclesMaximum":null,"payoutStatementCyclesNullReason":"not_disclosed","expirationOn":null,"expirationNullReason":"not_disclosed","conditions":"Receive 4,000 points just for activating your card","qualificationConditions":[],"qualificationConditionSources":[]}],"cardRewards":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T15:03:01.891Z","sources":[{"snapshotId":"53395","sourceKind":"official_issuer","publisherName":"Banner Bank","capturedAt":"2026-10-14T15:03:01.891Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.bannerbank.com/personal/credit-cards/trurewards-mastercard","passageId":"1a6ec8ddaf30d9056eb99e37483469c2","pageNumber":null,"quote":"Earn 4 points on every $1 you spend on qualifying purchases","recordId":"official-issuer:page:url:c5058d77ef4d61b71fa636edabed9baba8173a6c85d810bcc0d4250355e9bd00","recordFields":[],"fieldKey":"card_reward"}],"groupKey":"purchase-rewards","tierKey":"purchase-points","groupLabel":"Purchase rewards","pointsPerDollar":4,"merchantCategoryCodes":[],"merchantCategoryCodesNullReason":"not_disclosed","categoryComplement":false,"redemptionOptions":[],"minimumQualifyingPurchaseCents":null,"minimumPurchaseNullReason":"not_disclosed","maximumQualifyingPurchaseCents":null,"maximumPurchaseNullReason":"not_disclosed","qualificationPeriod":null,"qualificationPeriodNullReason":"not_disclosed","pointsPostingMaximumDays":null,"pointsPostingNullReason":"not_disclosed","pointsExpirationYears":null,"pointsExpirationAnchor":null,"pointsExpirationPolicy":null,"pointsRedemptionDaysAfterClosure":null,"pointsRedemptionAfterClosureNullReason":"not_disclosed","pointsExpirationNullReason":"not_disclosed","redemptionOptionsNullReason":"not_disclosed","conditions":"Earn 4 points on every $1 you spend on qualifying purchases","qualificationConditions":[],"qualificationConditionSources":[]}],"cashBenefits":[],"cardLinks":[],"cardWithholdings":[{"observationKind":"card_reward","fieldKey":"unparsed-174","reason":"unparsed_value","detail":"Get rewarded just for using your card. Earn rewards on all purchases. Redeem them for cash back, travel, gift cards and more. In addition, when you redeem points online, you unlock boosted rewards up to $25","sources":[{"snapshotId":"52125","sourceKind":"official_issuer","publisherName":"Banner Bank","capturedAt":"2026-10-14T05:51:22.850Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.bannerbank.com/personal/credit-cards","passageId":"c013583908487560f5d3afaedaac5c69","pageNumber":null,"quote":"Get rewarded just for using your card. Earn rewards on all purchases. Redeem them for cash back, travel, gift cards and more. In addition, when you redeem points online, you unlock boosted rewards up to $25","recordId":"official-issuer:page:url:30095040d4c4802fdd4abfac1a07b8b3ff48c245eb4f1f2f7d18eef9149f8b65","recordFields":[],"fieldKey":"withheld:card_reward:unparsed-174"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]}],"documents":[]}}