TruRewards Mastercard Credit Card Excellent Credit — Banner Bank is a personal credit card from Banner Bank. Application typically pulls a hard report from TransUnion. The annual fee is No annual fee. The ongoing APR is 15.49% variable (Prime + 8.74%) on purchases and balance transfers (terms dated Dec 11, 2025) after a 7.24% 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.