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  Citizens National Bank Platinum Visa

Citizens National Bank Platinum Visa

in Personal Credit Cards from Citizens National Bank

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Citizens National Bank Platinum Visa

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in Personal Credit Cards from Citizens National Bank

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Highlights
Purchase APR  (Variable APR) N/A
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 650 - 840
Annual Fee $0

Citizens National Bank Platinum Visa Review

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

Key Takeaways
  • Earn 1% cash back on everyday purchases (terms apply*).
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 7 months , which is shorter than the average 0% APR period of 12 months.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 7 months.
  • 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.
  • $0 Balance transfer fee. This card does not charge a fee on balance transfers.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.
Citizens National Bank Platinum Visa Pros & Cons
The Good The Bad
  • 0% APR balance transfer intro rate on balance transfers for up to 7 months.
  • No balance transfer fee.
  • 0% APR on new purchases during the first 7 months.
  • No annual fee.
  • Citizens National Bank Platinum Visa reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Does not include many credit card benefits.
Citizens National Bank Platinum Visa FAQ

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

No, Citizens National Bank Platinum Visa does not offer a rewards program. Citizens National Bank Platinum Visa is a cashback card. This means you earn a percentage of your purchase as a cash reward.

What are the Citizens National Bank Platinum Visa benefits?

Citizens National Bank Platinum Visa provides the following benefits:

  • Reports to major credit bureaus

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

Issuer does not publicly disclose rates. Please see the issuer's application page or contact them directly for rate and fee information.

Does Citizens National Bank Platinum Visa have an introductory APR offer on balance transfers?

Yes, Citizens National Bank Platinum Visa offers an introductory APR rate on balance transfers of 0% for a period of up to 7 months.

Citizens National Bank Platinum Visa Balance Transfers
Description
Balance Transfer APR N/A
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 7
Balance Transfer Fee % 0%
Balance Transfer Fee % After Intro Period N/A
Balance Transfer Fee Intro Period (days) N/A
Balance Transfer Fee Minimum N/A

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

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 7 months.

Citizens National Bank Platinum Visa Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period (months) 7

What are the fees for Citizens National Bank Platinum Visa?

The following fees apply to Citizens National Bank Platinum Visa:

Citizens National Bank Platinum Visa Fees
Fees Amount
Annual Fee $0

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

Yes, Citizens National Bank 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 Platinum Visa

  • Visit the Citizens National Bank 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 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
  •   512 22nd Avenue
    Meridian, MS 39301
  •   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 - 5:30pm
  • Saturday 9:00am - 12:00pm

Other Services by Citizens National Bank

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • 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
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 7 months
No Annual Fee  
Annual Fee $0
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
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Checking Account Required  
Credit Score Range 650 - 840
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits Fraud Liability
Rewards Rates Every Purchase
Rewards Type Cash Back
Does Not Disclose Rates  
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 7 months
Balance Transfer Fee % 0%
Card Type Cashback
Card Network Visa

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