
Citizens National Bank of Cheboygan Real Rewards Visa
in Personal Credit Cards from Elan Financial Services
UnaffiliatedCitizens National Bank of Cheboygan Real Rewards Visa
in Personal Credit Cards from Elan Financial Services
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Purchase APR (Variable APR) | 14.49% - 23.49% |
Balance Transfer APR (Variable APR) | 14.49% - 23.49% |
Credit Score Range | 680 - 840 |
Annual Fee | $0 |
Citizens National Bank of Cheboygan Real Rewards Visa Review
Citizens National Bank of Cheboygan Real Rewards Visa is a cashback credit card issued by Elan Financial Services. If you're wondering whether Citizens National Bank of Cheboygan Real Rewards Visa is the right card for you, read on. This is everything you need to know to make a good choice.
- 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.
- Signup bonus. Offers a signup bonus of 2500 points after spending $1 that can be redeemed for travel, gifts, or other perks.
- Competitive APRs. Citizens National Bank of Cheboygan Real Rewards Visa has a variable purchase APR that ranges from 14.49% 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 Real Rewards 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.
- Good or better credit required. You should probably try with another card if your credit score is below 680.
The Good | The Bad |
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Is there a Citizens National Bank of Cheboygan Real Rewards Visa cash back or rewards program?
No, Citizens National Bank of Cheboygan Real Rewards Visa does not offer a rewards program. Citizens National Bank of Cheboygan Real Rewards Visa is a cashback card. This means you earn a percentage of your purchase as a cash reward.
What are the Citizens National Bank of Cheboygan Real Rewards Visa benefits?
Citizens National Bank of Cheboygan Real Rewards Visa provides the following benefits:
- Reports to major credit bureaus
What are the relevant APRs for Citizens National Bank of Cheboygan Real Rewards 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 Real Rewards Visa has lower than average purchase APRs.Citizens National Bank of Cheboygan Real Rewards Visa has a variable purchase APR that ranges from 14.49% up to 23.49%. The card has a variable balance transfer APR that ranges from 14.49% 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 Real Rewards Visa have an introductory APR offer on balance transfers?
Yes, Citizens National Bank of Cheboygan Real Rewards Visa offers an introductory APR rate on balance transfers of 0% for a period of up to 6 months.
Description | |
---|---|
Balance Transfer APR | 14.49% - 23.49% |
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period (months) | 6 |
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 Real Rewards 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 6 months.
Description | |
---|---|
Introductory Rate | 0% |
Purchase Intro APR Period (months) | 6 |
What are the fees for Citizens National Bank of Cheboygan Real Rewards Visa?
The following fees apply to Citizens National Bank of Cheboygan Real Rewards Visa:
- There is no overlimit fee
Fees | Amount |
---|---|
Annual Fee | $0 |
Overlimit Fee | $0 |
Initial Program Fee | $0 |
Foreign Transaction Fee | 2% |
Returned Payment Fee | $35 |
Late Payment Fee | up to $40 |
Does Citizens National Bank of Cheboygan Real Rewards Visa have a foreign transaction fee?
Citizens National Bank of Cheboygan Real Rewards 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 Real Rewards Visa report your account activity to credit bureaus?
Yes, Citizens National Bank of Cheboygan 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 Real Rewards Visa
- Visit the Citizens National Bank of Cheboygan 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.
Contact
- Headquarters
-
200 South 6th Street
Minneapolis, MN 55402 - Visit Site
About Citizens National Bank of Cheboygan Real Rewards Visa

Availability
Feature Breakdown
Every Purchase (Points) | Earn 1.5 points for every $1 you spend on eligible net purchases (equal to 1.5% cash back) |
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