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  Citizens National Bank World and Preferred Points Card
Citizens National Bank World and Preferred Points Card Unaffiliated

Citizens National Bank World and Preferred Points Card

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Highlights
Purchase APR 15.24%
Balance Transfer APR 15.24%
Credit Score Range 700 - 840
Annual Fee $0

Citizens National Bank World and Preferred Points Card Review

This is a credit card issued by Citizens National. If you're wondering whether Citizens National Bank World and Preferred Points Card 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
  • Competitive APRs. Citizens National Bank World and Preferred Points Card has a variable purchase APR of 15.24%
  • 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 World and Preferred Points Card 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 $10.
  • 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 700.
Pros & Cons of Citizens National Bank World and Preferred Points Card
The Good The Bad
  • Potentially lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 2.90%.
  • No annual fee.
  • Citizens National Bank World and Preferred Points Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 2%.
  • You don't earn rewards on every purchase.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card benefits.
Citizens National Bank World and Preferred Points Card FAQ

Does Citizens National Bank World and Preferred Points Card have a cash back or rewards program?

No, it does not offer a rewards program. This card features rewards for purchases in the following categories:

What are the Citizens National Bank World and Preferred Points Card benefits?

It provides the following benefits:

  • Reports to major credit bureaus

What are the relevant APRs for Citizens National Bank World and Preferred Points Card?

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

Citizens National Bank World and Preferred Points Card has a variable purchase APR of 15.24%. The card has a variable balance transfer APR of 15.24% . It also has a variable cash advance APR that ranges from 2.90% up to 15.24%. Note that late payments are subject to an APR of 19.24% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does Citizens National Bank World and Preferred Points Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 2.90% for a period of up to 6 months.

Citizens National Bank World and Preferred Points Card Balance Transfers
Description
Balance Transfer Introductory APR 2.90%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 15.24%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%

Does Citizens National Bank World and Preferred Points Card have an intro APR offer on new purchases?

Citizens National Bank World and Preferred Points Card Purchase Intro Offer
Description
Introductory Rate 2.90%
Purchase Intro APR Period 6 months

This card does offer an intro APR rate of 2.90% on qualified purchases for a period of up to 6 months.

What are the fees for Citizens National Bank World and Preferred Points Card?

The following fees apply:

Citizens National Bank World and Preferred Points Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 2%
Late Payment Fee $25

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Citizens National Bank World and Preferred Points Card have a foreign transaction fee?

Citizens National Bank World and Preferred Points Card 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 support contact email for Citizens National Bank World and Preferred Points Card?

The support contact email for Citizens National Bank World and Preferred Points Card is C4@citizensnb.com.

What is the Citizens National Bank World and Preferred Points Card login page?

You can access the Citizens National Bank World and Preferred Points Card login page here.

How do people rate the customer service and user experience of Citizens National Bank World and Preferred Points Card?

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

Does Citizens National Bank World and Preferred Points Card report your account activity to credit bureaus?

Yes, Citizens National Bank World and Preferred Points Card reports your account activity to the following credit reporting agencies:

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 World and Preferred Points Card

  • Visit the Citizens National Bank World and Preferred Points Card 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.

Availability

  Available in 1 state
Louisiana
Availabile in all of Louisiana

Feature Breakdown

Introductory Rate 2.90%
Purchase Intro APR Period 6 months
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 3%
Minimum Cash Advance Fee ($) $10
Foreign Currency Transaction Fee 2%
Late Fee Amount $25
Minimum Age 18
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 700 - 840
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
Rewards Categories
  • Every Purchase
Cash Advance APR 2.90% - 15.24%
Penalty APR 19.24%
Purchase APR 15.24%
Balance Transfer Introductory APR 2.90%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 15.24%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Balance Transfer
  • Low Interest
  • Cashback
Card Network Mastercard

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