Citizens National Bank Low Rate Card
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| 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 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 |
|---|---|
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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.
| 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?
| 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:
| 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.
Contact
- Headquarters
-
2711 E Texas Street
Bossier City, LA 71111 USA - Visit Site
- Email Support
Other Services by Citizens National
Other Credit Cards by Citizens National
Availability
Feature Breakdown
| Introductory Rate | 2.90% |
| Purchase Intro APR Period (Variable APR) | 6 months |
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