Last Updated: 05/14/2026
Citizens National Bank of Cheboygan Platinum Visa
Unaffiliated
Last Updated: 05/14/2026
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Highlights
Purchase APR (Variable APR)
16.99% - 26.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
16.99% - 26.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
650 - 840
Annual Fee
$0
Citizens National Bank of Cheboygan Platinum Visa Review
This is a card issued by Citizens National Bank of Cheboygan. If you're wondering whether Citizens National Bank of Cheboygan Platinum Visa is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 20 months.
- APRs: Citizens National Bank of Cheboygan Platinum Visa has a variable regular purchase APR that ranges from 16.99% up to 26.99%.
- 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.
- A 3% balance transfer fee. Citizens National Bank of Cheboygan Platinum Visa 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 up to 2% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as emergency support, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Citizens National Bank of Cheboygan Platinum Visa
| The Good | The Bad |
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Citizens National Bank of Cheboygan Platinum Visa FAQ
Does Citizens National Bank of Cheboygan Platinum Visa have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Emergency Support
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Citizens National Bank of Cheboygan Platinum Visa?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Citizens National Bank of Cheboygan Platinum Visa has a variable purchase APR that ranges from 16.99% up to 26.99%. The card has a variable balance transfer APR that ranges from 16.99% up to 26.99%. 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 Platinum Visa have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 20 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 16.99% - 26.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 20 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Citizens National Bank of Cheboygan Platinum Visa 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 Platinum Visa?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Initial Program Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 of Cheboygan Platinum Visa have a foreign transaction fee?
Citizens National Bank of Cheboygan Platinum Visa charges a foreign transaction fee of up to 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 support contact email for Citizens National Bank of Cheboygan Platinum Visa?
The support contact email for Citizens National Bank of Cheboygan Platinum Visa is info@cnbismybank.com.
How do people rate the customer service and user experience of Citizens National Bank of Cheboygan Platinum Visa?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Citizens National Bank of Cheboygan Platinum Visa report your account activity to credit bureaus?
Yes, Citizens National Bank of Cheboygan Platinum Visa reports to the following credit bureaus:
- 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 build your credit.
Does Citizens National Bank of Cheboygan perform a hard credit pull?
Yes, Citizens National Bank of Cheboygan Platinum Visa performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Citizens National Bank of Cheboygan Platinum Visa
- Visit the website of Citizens National Bank of Cheboygan Platinum Visa.
- 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.
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
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Other Credit Cards from Citizens National Bank of Cheboygan
Rating not yet determined
Purchase APR
17.49% - 27.49%
Disclaimer popup with additional information
Balance Transfer APR
17.49% - 27.49%
Disclaimer popup with additional information
Credit Score Range
680 - 840
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
17.49% - 27.49%
Disclaimer popup with additional information
Balance Transfer APR
17.49% - 27.49%
Disclaimer popup with additional information
Credit Score Range
680 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
17.49% - 27.49%
Disclaimer popup with additional information
Balance Transfer APR
17.49% - 27.49%
Disclaimer popup with additional information
Credit Score Range
680 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
28.99%
Disclaimer popup with additional information
Balance Transfer APR
28.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
26.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
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Citizens National Bank of Cheboygan Platinum Visa Community Reviews
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