Last Updated: 07/28/2025
Citizens National Bank World and Preferred Points Card
Unaffiliated
in Credit Cards from Citizens National
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
15.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
15.24%(Verified 06/21/2024)
Disclaimer popup with additional information
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.
Key Takeaways
- APRs: Citizens National Bank World and Preferred Points Card has a variable regular 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 eligible purchases, but you don't have to pay an annual fee for the privilege.
- A 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 up to 2% every time you make a transaction outside the U.S.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Citizens National Bank World and Preferred Points Card
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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.
| Description |
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?
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 regular APR for accounts that carry a balance (as of November 2024) is 22.80%. 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 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 15.24% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 2.90% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Citizens National Bank World and Preferred Points Card have an intro APR offer on new purchases?
| 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 6 months.
What are the fees for Citizens National Bank World and Preferred Points Card?
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| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 up to 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 customer service number for Citizens National Bank World and Preferred Points Card 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.
What is the login page for Citizens National Bank World and Preferred Points Card?
You can access the login page of Citizens National Bank World and Preferred Points Card 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 to the following credit bureaus:
- 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 build your credit.
Does Citizens National perform a hard credit pull?
Yes, Citizens National Bank World and Preferred Points Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Citizens National Bank World and Preferred Points Card
- Visit the website of Citizens National Bank World and Preferred Points Card.
- 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.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 4:00PM
Tuesday
9:00AM - 4:00PM
Wednesday
9:00AM - 4:00PM
Thursday
9:00AM - 4:00PM
Friday
9:00AM - 6:00PM
Saturday
Closed