Citizens National Bank World and Preferred Points Card Review

Citizens National Bank World and Preferred Points Card 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 is everything you need to know to make a good choice.

• 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 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 $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 should probably try with another card if your credit score is below 700.

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.

Is there a Citizens National Bank World and Preferred Points Card cash back or rewards program?

Citizens National Bank World and Preferred Points Card is a cashback card. This means you earn a percentage of your purchase as a cash reward.

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

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

Citizens National Bank World and Preferred Points Card 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Citizens National Bank World and Preferred Points Card has lower than average purchase 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.

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

The following fees apply to Citizens National Bank World and Preferred Points Card:

Citizens National Bank World and Preferred Points Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	2%
Late Payment Fee	$25

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.