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  Citizens National Bank Low Rate Card

Citizens National Bank Low Rate Card

in Personal Credit Cards from Citizens National

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Citizens National Bank Low Rate Card

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in Personal Credit Cards from Citizens National

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Highlights
Purchase APR  (Variable APR) 15.24%
Balance Transfer APR  (Variable APR) 15.24%
Credit Score Range 700 - 840
Annual Fee $0

Citizens National Bank Low Rate Card Review

Citizens National Bank Low Rate Card 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. This is everything you need to know to make a good choice.

Key Takeaways
  • Competitive APRs. Citizens National Bank Low Rate Card has a variable purchase APR of 15.24%
  • 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 up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $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 should probably try with another card if your credit score is below 700.
Citizens National Bank Low Rate Card Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 2.90%.
  • No annual fee.
  • Citizens National Bank Low Rate Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • 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

Is there a Citizens National Bank Low Rate Card cash back or rewards program?

No, Citizens National Bank Low Rate Card does not offer a rewards program.

What are the Citizens National Bank Low Rate Card benefits?

Citizens National Bank Low Rate Card provides the following benefits:

  • 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Citizens National Bank Low Rate Card has lower than average purchase APRs.

Citizens National Bank Low Rate Card has a variable purchase APR of 15.24%. The card has a variable balance transfer APR of 15.24% . It also has a variable cash advance APR that ranges from 2.90% up to 15.24%. 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 introductory APR offer on balance transfers?

Yes, Citizens National Bank Low Rate Card offers an introductory 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 APR 15.24%
Balance Transfer Introductory APR 2.90%
Balance Transfer Intro APR Period (months) 6
Balance Transfer Fee % 3%
Balance Transfer Fee % After Intro Period N/A
Balance Transfer Fee Intro Period (days) N/A
Balance Transfer Fee Minimum $10

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

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

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

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

The following fees apply to Citizens National Bank Low Rate Card:

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

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 a foreign transaction fee.

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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.

Contact

  • Headquarters
  •   2711 E Texas Street
    Bossier City, LA 71111
  •   Visit Site

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 4:00pm
  • Tuesday 9:00am - 4:00pm
  • Wednesday 9:00am - 4:00pm
  • Thursday 9:00am - 4:00pm
  • Friday 9:00am - 6:00pm
  • Saturday Closed

Other Services by Citizens National

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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
No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 3%
Minimum Cash Advance Fee ($) $10
Foreign Currency Transaction Fee 2%
Returned Payment Fee $25
Late Fee Amount $25
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
  • Tax Returns
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
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% - 15.24%
Penalty APR (Variable APR) 19.24%
Purchase APR (Variable APR) 15.24%
Balance Transfer Introductory APR (Variable APR) 2.90%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 15.24%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Card Type
  • Balance Transfer
  • Low Interest
Card Network Mastercard

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