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  Citizens National Bank World and Preferred Points Card

Citizens National Bank World and Preferred Points Card

in Personal Credit Cards from Citizens National

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Citizens National Bank World and Preferred Points Card

Unaffiliated

in Personal Credit Cards from Citizens National

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

Citizens National Bank World and Preferred Points Card Review

This is a cashback 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 cashback card. It gives you cashback on your purchases, 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
  • Lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 2.90%.
  • No annual fee.
  • Offers auto rental collision damage waiver.
  • Cardholders can earn rewards on purchases everywhere Citizens National Bank World and Preferred Points Card is accepted.
  • Citizens National Bank World and Preferred Points Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 2%.
  • 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?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

Citizens National Bank World and Preferred Points Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Citizens National Bank World and Preferred Points Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Citizens National Bank World and Preferred Points Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

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

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • 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. It has lower than average regular APRs.

It 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 cashback 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 customer service phone number for Citizens National Bank World and Preferred Points Card?

The Citizens National Bank World and Preferred Points Card customer service number is .

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.

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:

  • 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 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 (Variable APR) 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
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
  • Tax Returns
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
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 (Variable APR) 2.90% - 15.24%
Penalty APR (Variable APR) 19.24%
Purchase APR (Variable APR) 15.24%
Balance Transfer Introductory APR (Variable APR) 2.90%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable 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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