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  Citizens National Bank of Cheboygan Max Cash Preferred Card
Citizens National Bank of Cheboygan Max Cash Preferred Card Unaffiliated

Citizens National Bank of Cheboygan Max Cash Preferred Card

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Highlights
Purchase APR  (Variable APR) 17.49% - 27.49%
(Verified 10/21/2022)
Balance Transfer APR  (Variable APR) 17.49% - 27.49%
(Verified 10/21/2022)
Credit Score Range 680 - 850
Annual Fee $0

Citizens National Bank of Cheboygan Max Cash Preferred Card Review

This is a cashback credit card issued by Citizens National Bank of Cheboygan. If you're wondering whether Citizens National Bank of Cheboygan Max Cash Preferred Card is the right card for you, read on.

Key Takeaways

  • $150 bonus (15,000 points) after $500 in eligible net purchases are made within the first 90 days of account opening.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.49% up to 27.49%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. Citizens National Bank of Cheboygan Max Cash Preferred 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 $5.
  • 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 Max Cash Preferred Card

The Good The Bad
  • No annual fee.
  • Identity Theft Protection.
  • Cardholders can earn rewards on their purchases.
  • Citizens National Bank of Cheboygan Max Cash Preferred 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%.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card benefits.

Citizens National Bank of Cheboygan Max Cash Preferred Card FAQ

Does Citizens National Bank of Cheboygan Max Cash Preferred Card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

Citizens National Bank of Cheboygan Max Cash Preferred Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($)

Does Citizens National Bank of Cheboygan Max Cash Preferred Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Citizens National Bank of Cheboygan Max Cash Preferred Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Citizens National Bank of Cheboygan Max Cash Preferred Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Citizens National Bank of Cheboygan Max Cash Preferred 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 higher than average regular APRs.

Citizens National Bank of Cheboygan Max Cash Preferred Card has a variable purchase APR that ranges from 17.49% up to 27.49%. The card has a variable balance transfer APR that ranges from 17.49% up to 27.49%. It also has a variable cash advance APR of 28.99% .

The good news is this card does not charge a penalty APR if you are late on a payment.

Does Citizens National Bank of Cheboygan Max Cash Preferred Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Citizens National Bank of Cheboygan Max Cash Preferred Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Citizens National Bank of Cheboygan Max Cash Preferred Card?

The following fees apply:

  • There is no overlimit fee
Citizens National Bank of Cheboygan Max Cash Preferred Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 2%
Returned Payment Fee up to $41
Late Payment Fee up to $41

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

Does Citizens National Bank of Cheboygan Max Cash Preferred Card have a foreign transaction fee?

Citizens National Bank of Cheboygan Max Cash Preferred 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 of Cheboygan Max Cash Preferred Card?

The Citizens National Bank of Cheboygan Max Cash Preferred Card customer service number is .

What is the support contact email for Citizens National Bank of Cheboygan Max Cash Preferred Card?

The support contact email for Citizens National Bank of Cheboygan Max Cash Preferred Card is info@cnbismybank.com.

What is the Citizens National Bank of Cheboygan Max Cash Preferred Card login page?

You can access the Citizens National Bank of Cheboygan Max Cash Preferred Card login page here.

How do people rate the customer service and user experience of Citizens National Bank of Cheboygan Max Cash Preferred Card?

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

Does Citizens National Bank of Cheboygan Max Cash Preferred Card report your account activity to credit bureaus?

Yes, Citizens National Bank of Cheboygan Max Cash Preferred 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 of Cheboygan Max Cash Preferred Card

  • Visit the Citizens National Bank of Cheboygan Max Cash Preferred 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.

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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 credit cards offered by Citizens National Bank of Cheboygan

Availability

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

Feature Breakdown

Cash Advance Fee Minimum $10
Cash Advance Fee (%) 5%
Minimum Cash Advance Fee ($) $10
Foreign Currency Transaction Fee 2%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $1
Over-Limit Fee $0
Returned Payment Fee Up to $41
Late Fee Amount Up to $41
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 680 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Bonus Offer $150 bonus (15,000 points) after $500 in eligible net purchases are made within the first 90 days of account opening.
Rewards Categories
  • 5% Cash Back on Internet / Cable / Phone Services
  • 2% Cash Back on Gas
  • 2% Cash Back on Groceries
  • 2% Cash Back on Restaurants
  • 1% Cash Back on Every Purchase
Cash Advance APR (Variable APR) 28.99%
APR Type Variable APR
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 17.49% - 27.49%
(Verified 10/21/2022)
Balance Transfer APR (Variable APR) 17.49% - 27.49%
(Verified 10/21/2022)
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Cashback
Card Network Visa

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