World Rewards Mastercard

Family walks on beach

A premium credit card that earns generous rewards with no annual fee

In addition to earning 4 points per $1 dollar of purchases, World Rewards Mastercard® cardholders earn 10,000 bonus points for every $10,000 spent per calendar year. Redeem points for cash, travel, gift cards and merchandise – you decide.

Plus, get perks like free shipping with ShopRunner and discounts with Postmates and onefinestay.

With this Banner Bank credit card, you'll get:

Rewards you can review and redeem online
credit cards with fixed rates
Low, fixed rates
Contact center staffed by Banner Bank employees
24x7 customer service at 855-891-4821
Online access to check balances and history

With a World Rewards credit card, you'll also get:

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Mastercard Purchase Protection

Pay only for the purchases you have authorized on your card, and you won’t be held liable in the event of an unauthorized purchase. Extend the manufacturer's warranty by up to 12 months with card purchases. See World Rewards Guide to Benefits for details.

Mastercard Travel Benefits

Redeem travel rewards on any airline. Get exclusive travel benefits like airport concierge, emergency cash or card replacement, coverage for rental cars, travel accident and baggage delay insurance, roadside service, and legal and medical assistance while traveling. See World Rewards Guide to Benefits for details.

Cell Phone Protection

Pay with your World Rewards Mastercard and have your cell phone covered in the event of theft or damage. See World Rewards Guide to Benefits for details.

Earn 1% Cash Back

Cash back statement credits are earned at a rate equal to 1% of your qualified spending.

No Annual Fee

No annual fee, no balance transfer fees and no cash advance fee. With a low, fixed rate, you can earn and redeem points without added expenses.

Combine Points

Points can be combined with other members of your household who have a Banner Bank credit card so you can earn rewards even faster.

Accepted Worldwide

Mastercard is accepted at millions of locations around the world and provides the added security of chip technology.
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Identity Theft Protection

Register for Mastercard ID Theft ProtectionTM to monitor and protect your online identity and provide resolution services.

Digital Wallet

Use Apple Pay, Google Pay and Samsung Pay on supported Apple, Samsung and Android devices.
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Mastercard Automatic Billing Updater

When you receive a new card for any reason (expired card, lost or stolen card, etc.), your automatic payments can continue without interruption. Learn about Automatic Billing Updater.

Prefer to apply in person? Download an application and return it to a branch.

Person taps card to pay at contactless terminal

Purchases are even easier with contactless credit cards


Tap to pay using your new Banner Bank credit card at any terminal that supports contactless payments. Look for the contactless symbol and tap once to pay.

If the terminal doesn't support contactless payments or digital wallet, simply swipe or insert the card. 

Ways to keep your card safe:


Real-Time Credit Card Notifications

When you provide us with your mobile phone number, we can text you fraud alerts for your Banner Bank credit card. Simply reply Yes to confirm your credit card activity or No for unauthorized transactions. Text messages come from short code 86975.
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Credit Card Fraud Notification

When you provide us with your mobile phone number, we’ll text you if we notice suspicious activity on your card. Otherwise, we may contact you by phone if we detect suspicious activity.
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Deposit Secured Mastercard

No credit history? No problem with a Deposit Secured Mastercard.

  • $25 annual fee
  • Secure the funds with a Banner Bank deposit account
  • Credit limit ($300 - $5,000) based on balance held in deposit account

Not sure which card is right for you? Compare credit cards.

View complete credit card terms and conditions and World Rewards Guide to Benefits for details. New credit card clients with credit limits of $15,000 or more will be issued a World Rewards credit card. Cardholders who reach $12,000 of calendar year spending may request an upgrade from a TruRewards card to a World Rewards card.

Please see the Disclosure Summary for rate, fee and other cost information.
Certain restrictions and exclusions apply. Insurance coverage underwritten by New Hampshire Insurance Company, an AIG company. Balance transfers have a minimum monthly payment of 5% of the principal amount. Only available to residents of Oregon, Washington, Idaho, and California.