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  Lincoln Owner Credit Card

Lincoln Owner Credit Card

in Personal Credit Cards from Citibank

Unaffiliated

Lincoln Owner Credit Card

Unaffiliated

in Personal Credit Cards from Citibank

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Highlights
Highlights
Purchase APR  (Variable APR) Up to 30.24%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 650 - 850
Annual Fee $0

Lincoln Owner Credit Card Review

Lincoln Owner Credit Card is a store credit card issued by Citibank. If you're wondering whether Lincoln Owner Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • 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.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.
Lincoln Owner Credit Card Pros & Cons
The Good The Bad
  • Special financing options available.
  • Receive a "Always on" $20 bonus credited to active Owner Advantage Rewards accounts when the Lincoln Owner Credit Card is used for any service purchase of $20 or more.
  • Special access to and discounts on dining, shopping and entertainment
  • No annual fee.
  • No annual fee.
  • Lincoln Owner Credit Card reports to multiple credit bureaus.
  • High interest rates.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Does not include many credit card rewards.
Lincoln Owner Credit Card FAQ

Is there a Lincoln Owner Credit Card cash back or rewards program?

No, Lincoln Owner Credit Card does not offer a rewards program.

What are the relevant APRs for Lincoln Owner Credit Card?

Lincoln Owner Credit Card has a variable purchase APR of up to 30.24%.

Does Lincoln Owner Credit Card have an introductory APR offer on balance transfers?

No, Lincoln Owner Credit Card does not come with an introductory APR offer for balance transfers.

Does Lincoln Owner Credit Card have an introductory APR offer on new purchases?

Lincoln Owner Credit Card does not offer an introductory rate on new purchases.
Lincoln Owner Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Lincoln Owner Credit Card?

The following fees apply to Lincoln Owner Credit Card:

Lincoln Owner Credit Card Fees
Fees Amount
Annual Fee $0
Late Payment Fee up to $39

Does Lincoln Owner Credit Card report your account activity to credit bureaus?

Lincoln Owner Credit 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 can help improve your credit.

How to apply for Lincoln Owner Credit Card

  • Visit the Lincoln Owner Credit 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Minimum Interest Charge $2
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
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 650 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Purchase APR (Variable APR) Up to 30.24%

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