Citizens National Bank of Cheboygan College Real Rewards Visa

Citizens National Bank of Cheboygan College Real Rewards Visa Review

This is a cashback credit card issued by Citizens National Bank of Cheboygan. If you're wondering whether Citizens National Bank of Cheboygan College Real Rewards Visa is the right card for you, read on.

Key Takeaways

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 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 6 months.
• After your first purchase, you'll get 2,500 bonus rewards points.
• 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 College Real Rewards 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 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 College Real Rewards Visa

Citizens National Bank of Cheboygan College Real Rewards Visa FAQ

Does Citizens National Bank of Cheboygan College Real Rewards Visa have a cash back or rewards program?

No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

What are the Citizens National Bank of Cheboygan College Real Rewards Visa 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 College Real Rewards Visa?

Citizens National Bank of Cheboygan College Real Rewards Visa 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.

What are the fees for Citizens National Bank of Cheboygan College Real Rewards Visa?

The following fees apply:

• There is no overlimit fee

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 College Real Rewards Visa report your account activity to credit bureaus?

Yes, Citizens National Bank of Cheboygan College Real Rewards 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 College Real Rewards Visa

• Visit the Citizens National Bank of Cheboygan College Real Rewards 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.