Banterra Bank Credit Cards


Updated: June 11, 2019


If you already have a bank account with Banterra Bank, you might have a wish to look for the credit cards from this bank, too. Luckily enough, this financial institution has got a solid selection of credit cards – regardless of whether you are looking to build your credit history, benefit from rewards, or get a top-tier credit card.

Best Credit Cards from Banterra Bank

Credit cards from Banterra Bank are not always capable of competing with the most popular credit cards from the largest four American banks. But there are some cards that may be used for a particular purpose and beat the competitors in many aspects, and we have selected them below.

Visa Business Rewards Plus Credit Card

Annual fee: $0 for the first year, then $99.

Purchase APR: from 15.74% to 24.74%.

Recommended credit score: from 700 to 850.

Most suitable for: rewards maximizers and people who spend a lot with their credit cards.

Credit card features:

Apply Here

 

There are quite a few decent options of credit cards issued by Banterra, and this business credit card is definitely one of them. However, one may surely say that this credit card will not be suitable for anyone who spends less than $10,000 per year. Otherwise, there will be an only little benefit – apart from what will be spent on as an annual fee.

In regards to the rewards program of this credit card from Banterra, each point is worth $0,01, which leaves you with a cash back rewards rate varying from 1.5% to 3%. Cash back rewards can be redeemed for five years, so you may not worry about the rewards getting expired. If you tend to spend a lot on hotels, airlines, or cellular phone (you will get 3% cash back from the category you spend the most on), then this credit card perfectly suits you.

Apart from pretty decent cash back rewards of this Banterra credit card, you will also receive 20,000 points if you manage to spend $2,000 within the first three months. Those 20,000 points can be later redeemed towards $200. And while this welcome bonus is quite low compared to the sum that has to be spent (for instance, Chase Freedom offers $150 welcome bonus while one has to spend only $500), it may be a good offer if you tend to spend large sums per month.

There are also several other worthwhile features of this business credit card. The card comes together with a convenient management tool of expenses that might be quite useful. Additionally, the owner of this credit card can also apply for employee credit cards with individual credit limits. Rewards points from such credit cards will be accumulated on the account of the owner of this business credit card.

But this credit card is worth applying only if you tend to spend rather high sums. Otherwise, the annual fee will mitigate all the benefits of the high cash back rewards – you would rather apply for a Freedom Unlimited credit card from Chase Bank in such a case.


Premier Rewards American Express Credit Card

Best credit cards from Banterra bank

Annual fee: $0 for the first year, then $99.

Purchase APR: from 15.74% to 24.74%.

Recommended credit score: from 700 to 850.

Most suitable for: rewards maximizers.

Credit card features:

Apply Here

 

This is another worthwhile credit card from Banterra Bank, and, unfortunately, it also comes with an annual fee of $99. However, the fee can be waived in the first year. This card is definitely aimed at reward maximizers, whereas cash back rewards vary from 1% up to 4%.

This credit card from American Express and Banterra will be especially beneficial for those customers who tend to spend on airlines and restaurants. Cash back rewards on purchases at gas stations are also quite nice and equal to 2%. Considering that there are no limitations regarding the maximum number of rewards and they don’t expire, this credit card tends to offer quite a good value.

Apart from that, you will also be eligible to receive a $100 worth welcome bonus if you manage to spend $1,000 within the first 90 days. Indeed, there are many other cards that offer far more generous welcome bonuses (such as Wells Fargo Cash Wisa Visa Card, which offers twice as high bonus). But this credit card comes with a 0% foreign transaction fee, which means that this card is quite convenient for using abroad.

Considering that this Banterra credit card is an AmEx credit card, it also comes with a number of additional features that typical AmEx cards have. For instance, it features a zero fraud liability, which means that you have zero responsibility for the card and the funds on it if it gets stolen or lost. Also, it comes with such features as entertainment access, free credit card checks, extended warranty, return protection, rental car insurance, premium concierge, luxury hotel program, and worldwide travel inconvenience insurance.


Visa Signature Real Rewards Credit Card

Annual fee: $0.

Purchase APR: from 15.74% to 24.74%.

Recommended credit score: from 700 to 850.

Most suitable for: customers who want to benefit from decent cash back rewards but who don’t spend much.

Credit card features:

Apply Here

 

Unlike the previous credit cards from Banterra Bank, this one comes without an annual fee. That implies that almost anyone can apply for it (as long as you have a necessary credit score level) and use it even as a secondary credit card. And while this credit card seems to be not as much rewarding as the previous ones, there might be pretty solid reasons to apply exactly for this card from Banterra.

You will earn 1.5 points for every $1 spent on any purchases, which means that you will get a 1.5% cash back rewards rate on any purchases – one of the best offers on the market. Considering that there are no limitations in regards to the amount of cash back rewards per year, you can really benefit from this Banterra card. Additionally, you will earn 2,500 points after making your first purchase, which can be redeemed towards $25 in cash back.

Another aspect that distinguishes this credit card is that it offers an 0% intro APR period on both balance transfers and purchases. And even though the period is somewhat lower than what many other cards offer (just 6 months), it appears to be good that one may benefit from it with this Banterra card. On top of it, this credit card also offers various additional features, such as zero fraud liability, extended warranty coverage, travel assistance, and auto rental collision damage waiver.

A combination of a no-annual fee card, high cash back rewards rate, and an intro period of 0% APR on balance transfers and purchases make this card to be a good choice for many customers. Even if you have other credit cards that you prefer to use, you are able to apply for this card and use it as a secondary credit card. It would be especially useful if you already have a bank account with Banterra.


How to Log In To Banterra Credit Card Account

If you have already got a credit card from Banterra Bank, you can get credit card statements, pay bills, make transfers, and do other manipulations with your credit card online. As you will learn from this section of the article, you can access your Banterra card on the bank’s website in a quick and simple way.

You can access your credit card account with Banterra in this simple way:

  • First of all, you should open a new tab in your browser and go to the following webpage: www.banterra.com.

enter your banterra credit card online

  • Once you have got to see the main webpage of this bank, you will notice the online banking form, placed on the left side. Start typing your login ID in the field there.

how to use banterra credit card online

  • After you have entered your login ID, you should click on the “Login” button.

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  • Following it, you will be redirected to the page where you will be able to access your credit card account. For that, you should type your password (of the online banking account) in the second field of the page.
  • Immediately after that, you have to click on the “SIGN IN” button and access your online banking account (and, so, your credit card too) with Banterra Bank.

how to access credit card on banterra website

  • Now, you can make transfers, pay bills, get credit card statements, and do all other sorts of online manipulations with your Banterra credit card.

How to Apply For a Banterra Credit Card

If you have found a credit card from Banterra Bank that you would like to apply for, you can do it even without stepping out of your home. The application process takes at maximum 10-15 minutes of your time and largely depends on how quickly you will provide your information and read the information about a selected credit card. All in all, follow our guidelines and apply for a credit card from this bank.

This is the way how you can apply for a credit card from Banterra Bank online:

  • You have to start by launching a new tab in your browser and accessing the following website: banterra.com.

best credit cards from banterra bank

  • You will notice the main menu of the bank’s website, placed at the top. You should hover your mouse over “Personal.”
  • Then, click on “Personal Card Services” in the dropdown section of the menu.

best banterra business credit cards

  • Now, you have just got to see the page where you can apply for a credit card from Banterra Bank. First, you need to switch to a “Banterra Personal Credit Cards” or “Banterra Business Credit Cards” section, depending on what type of a credit card you want to apply for.

how to apply for a credit card from banterra bank

  • In the new tab, you should click on the “Apply Now” section.
  • You will get to see a notice that you are getting redirected to another website. You have to click on “Continue” at that moment.

how to obtain a banterra credit card

  • Now, you have got to see a list of all credit cards from Banterra Bank. You can click on either “Apply Now” or “Learn More” near a selected credit card.

perks of banterra credit cards

  • Once you have learned all the information about a selected credit card and you deem that card suitable for you, click on the “Apply Now” text button.
  • Now, you have just got to see the page where you have to fill out an application form. Start filling all the required fields there.

banterra credit card features

  • Once you are done, you should check the box next to “I Accept the Terms and Conditions” and click on the “Submit” button.
  • Eventually, you should click on the “Submit” button. You have just sent an application for a selected credit card.
Banterra Bank Credit Cards
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