The Banner Bank Excellent Credit is a personal credit card from Banner Bank. Application typically pulls a hard report from TransUnion. The annual fee is No annual fee on the unsecured card ($25 if approved for the secured card). The ongoing APR is 15.49% variable (Prime + 8.74%) on purchases and balance transfers (terms dated Dec 11, 2025) after a 7.24% intro APR on balance transfers posted within 60 days of account opening, until paid in full (terms dated Dec 11, 2025) introductory rate for 15 months. Approval typically requires a credit score of 700 or higher. Signup bonus: 4,000 points for activating the card. Rewards: 4 points per $1 on qualifying purchases. Typical credit limit: $1,000-$20,000.