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  Citizens National Bank of Cheboygan Real Rewards Visa
Citizens National Bank of Cheboygan Real Rewards Visa Unaffiliated

Citizens National Bank of Cheboygan Real Rewards Visa

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Highlights
Purchase APR  (Variable APR) 16.74% - 26.74%
Balance Transfer APR  (Variable APR) 16.74% - 26.74%
Credit Score Range 680 - 840
Annual Fee $0

Citizens National Bank of Cheboygan Real Rewards Visa Review

This 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 review will provide you with with all the details you need to make a good choice.

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.
  • 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 16.74% up to 26.74%.
  • 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 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 Real Rewards Visa

The Good The Bad
  • 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.
  • You need good credit to qualify.
  • Charges a foreign transaction fee of 2%.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card benefits.

Citizens National Bank of Cheboygan Real Rewards Visa FAQ

Does Citizens National Bank of Cheboygan 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 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 Real Rewards Visa?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance.

Citizens National Bank of Cheboygan Real Rewards Visa has a variable purchase APR that ranges from 16.74% up to 26.74%. The card has a variable balance transfer APR that ranges from 16.74% up to 26.74%. It also has a variable cash advance APR of 28.24% .

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 intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 6 months.

Citizens National Bank of Cheboygan Real Rewards Visa Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 16.74% - 26.74%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

Does Citizens National Bank of Cheboygan Real Rewards Visa have an intro APR offer on new purchases?

Citizens National Bank of Cheboygan Real Rewards Visa Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 6 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 6 months.

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

The following fees apply:

  • 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 $41
Late Payment Fee up to $41

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 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 foreign transaction fees.

What is the customer service phone number for Citizens National Bank of Cheboygan Real Rewards Visa?

The Citizens National Bank of Cheboygan Real Rewards Visa customer service number is .

What is the support contact email for Citizens National Bank of Cheboygan Real Rewards Visa?

The support contact email for Citizens National Bank of Cheboygan Real Rewards Visa is corporaterewardscard@elanfs.com.

What is the Citizens National Bank of Cheboygan Real Rewards Visa login page?

You can access the Citizens National Bank of Cheboygan Real Rewards Visa login page here.

How do people rate the customer service and user experience of Citizens National Bank of Cheboygan Real Rewards Visa?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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.

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

About Citizens National Bank of Cheboygan Real Rewards Visa

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Availability

  Available in 1 state
Michigan
Availabile in all of Michigan

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee
Annual Fee $0
Over-Limit Fee $0
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 5%
Minimum Cash Advance Fee ($) $10
Initial Program Fee $0
Foreign Currency Transaction Fee 2%
Minimum Interest Charge $2
Returned Payment Fee $41
Late Fee Amount Up to $41
Customer Type Personal
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 680 - 840
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Categories
Signup Bonus (points) 2,500
Cash Advance APR (Variable APR) 28.24%
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 16.74% - 26.74%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 16.74% - 26.74%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Balance Transfer
  • Cashback
  • Travel
  • Bonus Offers
Card Network Visa

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