National Bank of Arizona Clarity Visa® Credit Card

National Bank of Arizona Clarity Visa® Credit Card Review

This is a card issued by National Bank of Arizona. If you're wondering whether National Bank of Arizona Clarity is the right card for you, read on.

Key Takeaways

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
• Competitive APRs. National Bank of Arizona Clarity Visa® Credit Card has a variable purchase APR that ranges from 14% up to 23%.
• 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.
• 3% Balance transfer fee. National Bank of Arizona Clarity Visa® Credit 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.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, identity theft protection, price protection, travel accident insurance, travel assistance, and fraud protection.
• Good or better credit required. You will have low approval odds if your credit score is below 690.

Pros & Cons of National Bank of Arizona Clarity

The Good

The Bad

Potentially lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 15 months. 0% APR on new purchases during the first 6 months. There is then a variable purchase APR that ranges from 14% up to 23%. No annual fee. Multiple credit card perks. Offers Auto Rental Collision Damage Waiver. Identity Theft Protection. Travel accident and travel assistance insurance. No foreign transaction fee. National Bank of Arizona Clarity Visa® Credit Card reports to multiple credit bureaus.

You need good credit to qualify. Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase. Charges a 3% balance transfer fee

National Bank of Arizona Clarity FAQ

Does National Bank of Arizona Clarity have a cash back or rewards program?

No, it does not offer a rewards program.

What are the National Bank of Arizona Clarity benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Zero fraud liability
• Price Protection
• Travel Accident Insurance
• Cell Phone Protection
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for National Bank of Arizona Clarity?

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.

National Bank of Arizona Clarity Visa® Credit Card has a variable purchase APR that ranges from 14% up to 23%. The card has a variable balance transfer APR that ranges from 14% up to 23%. It also has a variable cash advance APR that ranges from 25.5% up to 29.5%.

The good news is this card does not charge a penalty APR if you are late on a payment.

What are the fees for National Bank of Arizona Clarity?

The following fees apply:

National Bank of Arizona Clarity Visa® Credit Card Fees

Description
Cash Advance Fee Minimum	$10
Cash Advance Fee (%)	5%
Minimum Cash Advance Fee ($)	$10
Foreign Currency Transaction Fee	0%
No Annual Fee?
No Foreign Transaction Fee?
Annual Fee	$0
Minimum Interest Charge	$1
No Interest Grace Period for Late Payment	25 days
Returned Payment Fee	Up to $30
Late Fee Amount	Up to $35

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does National Bank of Arizona Clarity Visa® Credit Card report your account activity to credit bureaus?

Yes, National Bank of Arizona Clarity Visa® 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 may help improve your credit.

How to apply for National Bank of Arizona Clarity

• Visit the National Bank of Arizona Clarity 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.