Last Updated: 07/28/2025
National Bank of Arizona Reserve Visa Credit Card
Unaffiliated
in Credit Cards from National Bank of Arizona
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
18.49% - 28.49%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
18.49% - 28.49%(Verified 06/21/2024)
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Credit Score Range
650 - 850
Annual Fee
$450
National Bank of Arizona Reserve Visa Credit Card Review
This is a cashback credit 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% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 6 months, which is shorter than the average 0% APR period of 12 months.
- Signup bonus. Offers a signup bonus of up to $500.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 18.49% up to 28.49%.
- A 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 you have a fair credit score or better.
Pros & Cons of National Bank of Arizona Reserve Visa Credit Card
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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.
| Description |
Does National Bank of Arizona Reserve Visa Credit Card have a signup bonus?
Yes, it offers card users a signup bonus worth up to $500 .
Does National Bank of Arizona Reserve Visa Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the National Bank of Arizona Reserve Visa Credit Card benefits?
National Bank of Arizona Reserve Visa Credit Card 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower 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.
Does National Bank of Arizona Reserve Visa Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 18.49% - 28.49% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does National Bank of Arizona Reserve Visa Credit Card 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 National Bank of Arizona Reserve Visa Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $450 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $450.
Does National Bank of Arizona Reserve Visa Credit Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for National Bank of Arizona Reserve Visa Credit Card?
The customer service number for National Bank of Arizona Reserve Visa Credit Card is (520) 571-1500.
What is the support contact email for National Bank of Arizona Reserve Visa Credit Card?
The support contact email for National Bank of Arizona Reserve Visa Credit Card is interactive@nbarizona.com.
What is the login page for National Bank of Arizona Reserve Visa Credit Card?
You can access the login page of National Bank of Arizona Reserve Visa Credit Card here.
How do people rate the customer service and user experience of National Bank of Arizona Reserve Visa Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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 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 National Bank of Arizona perform a hard credit pull?
Yes, National Bank of Arizona Reserve Visa Credit Card 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 National Bank of Arizona Reserve Visa Credit Card
- Visit the website of National Bank of Arizona Reserve Visa Credit Card.
- 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.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed