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  Citizens National Bank of Cheboygan Smart Business Rewards Card
Citizens National Bank of Cheboygan Smart Business Rewards Card Unaffiliated

Citizens National Bank of Cheboygan Smart Business Rewards Card

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Highlights
Purchase APR  (Variable APR) 18.99% - 23.99%
(Verified 10/21/2022)
Balance Transfer APR  (Variable APR) 18.99% - 23.99%
(Verified 10/21/2022)
Credit Score Range 680 - 850
Annual Fee $0 - $95

Citizens National Bank of Cheboygan Smart Business Rewards Card Review

Key Takeaways

  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 18.99% up to 23.99%.
  • Rewards program. This credit card offers rewards on your purchases, but you will have to pay an annual fee of up to $95 for the privilege.
  • Annual fee waived the first year. Citizens National Bank of Cheboygan Smart Business Rewards Card gives you the chance to have the card for a year without paying the $0 annual fee.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2% every time you make a transaction outside the U.S.
  • Good or better credit required. You will have low approval odds if your credit score is below 680.

Pros & Cons of Citizens National Bank of Cheboygan Business Rewards Card

The Good The Bad
  • Annual fee waived during the first year.
  • Cardholders can earn rewards on their purchases.
  • Citizens National Bank of Cheboygan Smart Business Rewards Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • You need good credit to qualify.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 2%.
  • Does not include many credit card benefits.

Citizens National Bank of Cheboygan Business Rewards Card FAQ

Who is Citizens National Bank of Cheboygan Business Rewards Card designed for?

This is a credit card issued by Citizens National Bank of Cheboygan.

This business card is designed for small business owners with good credit. The minimum credit score to apply is 680.

What are the relevant APRs?

This business credit card has a variable purchase APR that ranges from 18.99% up to 23.99%. The card has a variable balance transfer APR that ranges from 18.99% up to 23.99%.

It also has a variable cash advance APR of 28.99%. Note that late payments are subject to an APR of 30.24% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does it have an introductory APR offer?

No, this business card does not come with an introductory APR offer for balance transfers.

This business credit card does not offer an introductory rate on new purchases.

Citizens National Bank of Cheboygan Business Rewards Card Rates & Terms
Purchase APR 18.99% - 23.99%
Balance Transfer APR 18.99% - 23.99%
Cash Advance APR 28.99%
Penalty APR 30.24%

What fees does it charge?

The following fees apply to this business credit card:

  • There is no annual fee.
  • A late payment penalty of up to $39.
  • A returned payment fee of up to $35.
  • An overlimit fee of $39.

Does it charge a foreign transaction fee?

This business card charges a foreign transaction fee of 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. If you travel abroad you may want to leave this business card at home and apply for one that doesn't charge a foreign transaction fee.

Citizens National Bank of Cheboygan Business Rewards Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 2%
Returned Payment Fee $35
Late Payment Fee $19 to $39

Does it offer a cash back or rewards program?

Yes, Citizens National Bank of Cheboygan Business Rewards Card offers a rewards program to its customers. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:

  • Advertising Services
  • Airfare
  • Amazon.com
  • Car Rentals
  • Internet, Cable and Phone Services
  • Drug Stores
  • Education
  • Every Purchase
  • Furniture
  • Gas stations
  • Groceries
  • Gyms
  • Home Improvement
  • Hotels
  • Insurance
  • Office Supply Stores
  • Restaurants
  • Retail
  • Shipping
  • Software, Hardware, Cloud
  • Utilities
  • Warehouse Clubs

Does it have a sign up bonus?

This business credit card doesn't offer a cash signup bonus.

Does it offer an annual loyalty bonus?

This business card doesn't offer a cash loyalty bonus.

What is the customer service phone number?

The customer service number for this business card is .

What is the support contact email?

The support contact email for this business credit card is info@cnbismybank.com.

Does Citizens National Bank of Cheboygan Smart Business Rewards Card report your account activity to credit bureaus?

Yes, Citizens National Bank of Cheboygan Smart Business Rewards Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply?

  • Visit the Citizens National Bank of Cheboygan .
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

Other Services by Citizens National Bank of Cheboygan

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View all business credit cards offered by Citizens National Bank of Cheboygan

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Annual Fee $0 - $95
Cash Advance Fee (%) 4%
Cash Advance Fee Minimum $10
Foreign Currency Transaction Fee 2%
Late Fee Amount $19 - $39
Minimum Cash Advance Fee ($) $10
Minimum Interest Charge $1
No Annual Fee First Year
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 24 days
Over-Limit Fee $39
Returned Payment Fee $35
Customer Type Business
Minimum Age 18
Credit Score Range 680 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Bonus Rewards Earn 20,000 bonus rewards points when you spend $500 in the first 90 days of account opening.
Rewards Categories
  • 1x - 2x Points on Every Purchase
APR Type Variable APR
Balance Computation Average daily balance (including new purchases).
Cash Advance APR (Variable APR) 28.99%
Penalty APR (Variable APR) 30.24%
Purchase APR (Variable APR) 18.99% - 23.99%
(Verified 10/21/2022)
Balance Transfer APR (Variable APR) 18.99% - 23.99%
(Verified 10/21/2022)
Card Network Visa
Card Type
  • Rewards

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