CNB Visa Classic
CNB Visa Classic
in Credit Cards from CNB

CNB Visa Classic

in Credit Cards from CNB
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Purchase APR  (Variable APR) 10.15%
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

  • Competitive APRs. CNB Visa Classic has a variable 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 1% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval odds if your credit score is above 630.

Pros & Cons of CNB Visa Classic

The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Free access to your credit score.
  • Considers applicants with fair credit.
  • CNB Visa Classic reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.

CNB Visa Classic FAQ

Does CNB Visa Classic have a cash back or rewards program?

No, it does not offer a rewards program.

What are the CNB Visa Classic benefits?

It provides the following benefits:

  • 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 is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

CNB Visa Classic has a variable purchase APR of 10.15%.

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.

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?

The following fees apply:

CNB Visa Classic Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee $25
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 CNB Visa Classic have a foreign transaction fee?

CNB Visa Classic charges a foreign transaction fee of 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 customer service phone number for CNB Visa Classic?

The CNB Visa Classic customer service number is .

What is the support contact email for CNB Visa Classic?

The support contact email for CNB Visa Classic is

What is the CNB Visa Classic login page?

You can access the CNB Visa Classic login page here.

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 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 CNB Visa Classic

  • Visit the CNB Visa Classic 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.

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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.

Other Credit Cards by CNB



  Available in 1 state
Availabile in all of Tennessee

Feature Breakdown

Cash Advance Fee Minimum $5
Cash Advance Fee (%) 3%
Minimum Cash Advance Fee ($) $5
Foreign Currency Transaction Fee 1%
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee $25
Paper Statement Fee $2
Late Fee Amount $25
Customer Type Personal
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
Checking Account Required
Credit Score Range 630 - 840
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Emergency Support
  • Fraud Liability
  • Free Credit Score
Rewards Type No Rewards
APR Type Variable APR
Purchase APR (Variable APR) 10.15%
Card Type
  • Low Interest
Card Network Visa

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