National Bank of Arizona Reserve Visa Credit Card

National Bank of Arizona Reserve Visa Credit Card Review

This is a cashback card issued by National Bank of Arizona. If you're wondering whether National Bank of Arizona Reserve Visa Credit Card 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 6 months , which is shorter than the average 0% APR period of 12 months.
• Signup bonus. Offers a signup bonus of up to $500 if you spend $5000 within 3 months.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 18.49% up to 28.49%.
• 3% Balance transfer fee. National Bank of Arizona Reserve 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 $5.
• 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.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of National Bank of Arizona Reserve Visa Credit Card

The Good	The Bad
0% APR balance transfer intro rate on balance transfers for up to 6 months. Access to a concierge. Trip cancellation insurance. No foreign transaction fee. Cardholders can earn rewards on purchases everywhere National Bank of Arizona Reserve Visa Credit Card is accepted. National Bank of Arizona Reserve Visa Credit Card reports to multiple credit bureaus.	Higher than average purchase APRs. Charges an annual fee of $450 Charges a 3% balance transfer fee.

National Bank of Arizona Reserve Visa Credit Card FAQ

Does National Bank of Arizona Reserve Visa Credit 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. You will receive 2% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $20 back in cash.

National Bank of Arizona Reserve Visa Credit Card Rewards

Minimum rewards rate	2x
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	$500
Signup Bonus Spend Requirement	$5000
Signup Bonus Spend Period (months)	3 months

What are the National Bank of Arizona Reserve Visa Credit Card benefits?

It provides the following benefits:

• Trip Cancellation Insurance
• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for National Bank of Arizona Reserve Visa Credit Card?

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 higher than average regular APRs.

National Bank of Arizona Reserve Visa Credit Card has a variable purchase APR that ranges from 18.49% up to 28.49%. The card has a variable balance transfer APR that ranges from 18.49% up to 28.49%. It also has a variable cash advance APR that ranges from 27.49% up to 28.49%.

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 Reserve Visa Credit Card?

The following fees apply:

National Bank of Arizona Reserve Visa Credit Card Fees

Fees	Amount
Annual Fee	$450
Foreign Transaction Fee	0%
Returned Payment Fee	up to $35
Late Payment Fee	up to $35

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

Yes, National Bank of Arizona Reserve 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 Reserve Visa Credit Card

• Visit the National Bank of Arizona Reserve Visa 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.