Citizens National Bank of Cheboygan Smart Business Rewards Card

Citizens National Bank of Cheboygan Smart Business Rewards Card Review

This is a rewards card issued by Citizens National Bank of Cheboygan. If you're wondering whether Citizens National Bank of Cheboygan Business Rewards Card is the right card for you, read on.

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

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.

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 offer a cash back or rewards program?

Yes, Citizens National Bank of Cheboygan Business Rewards Card offers a rewards program to its customers.

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.