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  Citizens National Bank of Cheboygan Platinum Visa

Citizens National Bank of Cheboygan Platinum Visa

in Personal Credit Cards from Elan Financial Services

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Citizens National Bank of Cheboygan Platinum Visa

Unaffiliated

in Personal Credit Cards from Elan Financial Services

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Highlights
Purchase APR  (Variable APR) 13.49% - 23.49%
Balance Transfer APR  (Variable APR) 13.49% - 23.49%
Credit Score Range 650 - 840
Annual Fee $0

Citizens National Bank of Cheboygan Platinum Visa Review

Citizens National Bank of Cheboygan Platinum Visa is a credit card issued by Elan Financial Services. If you're wondering whether Citizens National Bank of Cheboygan Platinum Visa is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 20 months, which is longer than the average 0% APR period of 12 months.
  • Competitive APRs. Citizens National Bank of Cheboygan Platinum Visa has a variable purchase APR that ranges from 13.49% up to 23.49%.
  • 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 of Cheboygan Platinum Visa 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 $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.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.
Citizens National Bank of Cheboygan Platinum Visa Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 20 months.
  • No annual fee.
  • Citizens National Bank of Cheboygan Platinum Visa reports to multiple credit bureaus.
  • 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 of Cheboygan Platinum Visa FAQ

Is there a Citizens National Bank of Cheboygan Platinum Visa cash back or rewards program?

No, Citizens National Bank of Cheboygan Platinum Visa does not offer a rewards program.

What are the relevant APRs for Citizens National Bank of Cheboygan Platinum Visa?

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 of Cheboygan Platinum Visa has lower than average purchase APRs.

Citizens National Bank of Cheboygan Platinum Visa has a variable purchase APR that ranges from 13.49% up to 23.49%. The card has a variable balance transfer APR that ranges from 13.49% up to 23.49%. It also has a variable cash advance APR of 23.99% .

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 Platinum Visa have an introductory APR offer on balance transfers?

Yes, Citizens National Bank of Cheboygan Platinum Visa offers an introductory APR rate on balance transfers of 0% for a period of up to 20 months.

Citizens National Bank of Cheboygan Platinum Visa Balance Transfers
Description
Balance Transfer APR 13.49% - 23.49%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 20
Balance Transfer Fee % 3%
Balance Transfer Fee % After Intro Period N/A
Balance Transfer Fee Intro Period (days) N/A
Balance Transfer Fee Minimum $5

Does Citizens National Bank of Cheboygan Platinum Visa have an introductory APR offer on new purchases?

Citizens National Bank of Cheboygan Platinum Visa does not offer an introductory rate on new purchases.
Citizens National Bank of Cheboygan Platinum Visa Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Citizens National Bank of Cheboygan Platinum Visa?

The following fees apply to Citizens National Bank of Cheboygan Platinum Visa:

  • There is no overlimit fee
Citizens National Bank of Cheboygan Platinum Visa Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Initial Program Fee $0
Foreign Transaction Fee 2%
Returned Payment Fee $35
Late Payment Fee $40

Does Citizens National Bank of Cheboygan Platinum Visa have a foreign transaction fee?

Citizens National Bank of Cheboygan Platinum Visa 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 of Cheboygan Platinum Visa report your account activity to credit bureaus?

Yes, Citizens National Bank of Cheboygan Platinum Visa 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 Platinum Visa

  • Visit the Citizens National Bank of Cheboygan Platinum Visa 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.

Contact

  • Headquarters
  •   200 South 6th Street
    Minneapolis, MN 55402
  •   Visit Site

About Citizens National Bank of Cheboygan Platinum Visa

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Availability

  Available in 1 state
Michigan
Availabile in all of Michigan

Feature Breakdown

No Annual Fee  
Annual Fee $0
Over-Limit Fee $0
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 4%
Minimum Cash Advance Fee ($) $10
Initial Program Fee $0
Foreign Currency Transaction Fee 2%
Minimum Interest Charge $2
Returned Payment Fee $35
Late Fee Amount $40
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
Credit Score Range 650 - 840
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Rewards Type No Rewards
Cash Advance APR (Variable APR) 23.99%
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 13.49% - 23.49%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 20 months
Balance Transfer APR (Variable APR) 13.49% - 23.49%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

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