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  Citizens National Bank Low Rate Card
Citizens National Bank Low Rate Card Unaffiliated

Citizens National Bank Low Rate Card

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Highlights
Purchase APR  (Variable APR) 10.24%
(Verified 09/08/2022)
Balance Transfer APR  (Variable APR) 10.24%
(Verified 09/08/2022)
Credit Score Range 700 - 840
Annual Fee $0

Citizens National Bank Low Rate Card Review

This is a credit card issued by Citizens National. If you're wondering whether Citizens National Bank Low Rate Card is the right card for you, read on.

Key Takeaways

  • Competitive APRs. Citizens National Bank Low Rate Card has a variable purchase APR of 10.24%
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. Citizens National Bank Low Rate Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
  • 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 700.

Pros & Cons of Citizens National Bank Low Rate Card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 2.90%.
  • No annual fee.
  • Offers auto rental collision damage waiver.
  • Citizens National Bank Low Rate Card reports to multiple credit bureaus.
  • You need good credit to qualify.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 2%.
  • You don't earn rewards on every purchase.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card benefits.

Citizens National Bank Low Rate Card FAQ

Does Citizens National Bank Low Rate Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Citizens National Bank Low Rate Card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Reports to major credit bureaus

What are the relevant APRs for Citizens National Bank Low Rate Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

Citizens National Bank Low Rate Card has a variable purchase APR of 10.24%. The card has a variable balance transfer APR of 10.24% . It also has a variable cash advance APR that ranges from 2.90% up to 10.24%. Note that late payments are subject to an APR of 19.24% 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 Citizens National Bank Low Rate Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 2.90% for a period of up to 6 months.

Citizens National Bank Low Rate Card Balance Transfers
Description
Balance Transfer Introductory APR 2.90%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 10.24%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%

Does Citizens National Bank Low Rate Card have an intro APR offer on new purchases?

Citizens National Bank Low Rate Card Purchase Intro Offer
Description
Introductory Rate 2.90%
Purchase Intro APR Period 6 months

This card does offer an intro APR rate of 2.90% on qualified purchases for a period of up to 6 months.

What are the fees for Citizens National Bank Low Rate Card?

The following fees apply:

Citizens National Bank Low Rate Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 2%
Returned Payment Fee $25
Late Payment Fee $25

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Citizens National Bank Low Rate Card have a foreign transaction fee?

Citizens National Bank Low Rate 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 card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for Citizens National Bank Low Rate Card?

The Citizens National Bank Low Rate Card customer service number is .

What is the support contact email for Citizens National Bank Low Rate Card?

The support contact email for Citizens National Bank Low Rate Card is C4@citizensnb.com.

What is the Citizens National Bank Low Rate Card login page?

You can access the Citizens National Bank Low Rate Card login page here.

How do people rate the customer service and user experience of Citizens National Bank Low Rate Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Citizens National Bank Low Rate Card report your account activity to credit bureaus?

Yes, Citizens National Bank Low Rate 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 for Citizens National Bank Low Rate Card

  • Visit the Citizens National Bank Low Rate Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.

Availability

  Available in 1 state
Louisiana
Availabile in all of Louisiana

Feature Breakdown

Introductory Rate 2.90%
Purchase Intro APR Period (Variable APR) 6 months
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 3%
Minimum Cash Advance Fee ($) $10
Foreign Currency Transaction Fee 2%
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee $25
Late Fee Amount $25
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 840
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
Rewards Type No Rewards
Cash Advance APR (Variable APR) 2.90% - 10.24%
APR Type Variable APR
Penalty APR (Variable APR) 19.24%
Purchase APR (Variable APR) 10.24%
(Verified 09/08/2022)
Balance Transfer Introductory APR (Variable APR) 2.90%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 10.24%
(Verified 09/08/2022)
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Card Type
  • Balance Transfer
  • Low Interest
Card Network Mastercard

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