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
Lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 6 months. 0% APR on new purchases during the first 6 months. No annual fee. Citizens National Bank of Cheboygan Real Rewards Visa reports to multiple credit bureaus.	Requires good to excellent credit. Charges a foreign transaction fee of 2%. Charges a 3% balance transfer fee. Does not include many credit card benefits.

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.

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

Citizens National Bank of Cheboygan Real Rewards 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	up to $40

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.