Last Updated: 05/14/2026
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Highlights
Purchase APR (Variable APR)
10.15%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
630 - 840
Annual Fee
$0
CNB Visa Classic Review
This is a card issued by CNB. If you're wondering whether CNB Visa Classic is the right card for you, read on.
Key Takeaways
- APRs: CNB Visa Classic has a variable regular purchase APR of 10.15%
- 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.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of CNB Visa Classic
| The Good | The Bad |
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CNB Visa Classic FAQ
Does CNB Visa Classic have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Free Credit Score
- Emergency Support
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for CNB Visa Classic?
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.CNB Visa Classic has a variable purchase APR of 10.15%. CNB Visa Classic does not offer balance transfers.
Does CNB Visa Classic have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. CNB Visa Classic does not offer balance transfers.Does CNB Visa Classic have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for CNB Visa Classic?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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 card.
There is a late fee of up to $25 . Does CNB Visa Classic have a foreign transaction fee?
CNB Visa Classic charges a foreign transaction fee of up to 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. 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 CNB Visa Classic?
The support contact email for CNB Visa Classic is bank@cnbtn.com.
How do people rate the customer service and user experience of CNB Visa Classic?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does CNB Visa Classic report your account activity to credit bureaus?
Yes, CNB Visa Classic 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 CNB perform a hard credit pull?
Yes, CNB Visa Classic 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 CNB Visa Classic
- Visit the website of CNB Visa Classic.
- 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.
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Hours of Operation
SundayClosedMonday8:00AM - 4:00PMTuesday8:00AM - 4:00PMWednesday8:00AM - 4:00PMThursday8:00AM - 4:00PMFriday8:00AM - 4:00PMSaturday8:00AM - 8:00AM
Other Services by CNB
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Other Credit Cards from CNB
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Purchase APR
7.15%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
640 - 840
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
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