If you’re a resident of Oklahoma, Arkansas, and Kansas, one of the banking options available to you is the INTRUST Bank, N.A. Although you don’t have to live in these states to use this bank, if you like to be able to visit a branch location when you bank, then these states are where they’re located.
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INTRUST Bank was founded in 1876 in Kansas and has grown to encompass more than 100 branches in the three states mentioned above. It offers many banking products, including a variety of credit cards. One of those credit cards is the INTRUST Bank, N.A. Visa credit card.
INTRUST Bank, N.A. Visa Credit Card Overview
In order to apply for the INTRUST Bank, N.A. Visa card, you do have to be an accountholder with the bank. It doesn’t matter what kind of account you open, just as long as you open one.
This Visa credit card, despite the fact that it isn’t implied in its name, is a rewards credit card. Rewards are earned on a one-to-one basis during daily use. However, throughout the year INTRUST runs promotions that allow cardholders to earn more than one point per dollar spent as well.
There is no cap on the amount of points that you can earn on your card. However, points must be redeemed within five years of the purchase. Points can be exchanged for merchandise, cash, travel, rental cars, and much more.
INTRUST Bank, N.A. Visa Credit Card Terms
The credit card APR for this card depends on whether or not you are a student. If you’re a student, then the rate will start at 14.99%. If you aren’t a student, then the rate will start at 9.99%. The rate is variable based on the country’s Prime Rate. This rate applies to balance transfers and purchases.
The APR for a cash advance is 19.89%, whether you have a regular or a student credit card. In addition, the penalty APR is 22.99% and will go into affect if you miss two months worth of payments in a row.
The INTRUST Bank, N.A. Visa card is a no-annual-fee credit card. If you get this Visa, you’ll end up paying 3% for fees on cash advances and balance transfers.
INTRUST Bank, N.A. Visa Credit Card Verdict
What’s nice about this card is the ability to earn faster rewards while still getting a lower interest rate. However, if you have bad credit, don’t apply for this card as you likely won’t qualify.
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