NTB Credit Card Reviews (Oct. 2020) | Personal Credit Cards

Highlights
Purchase APR (Variable APR)	21.96% - 30.49%
Balance Transfer APR (Variable APR)	N/A
Credit Score Range	580 - 850
Annual Fee	$0

NTB Credit Card Review

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

Key Takeaways

0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 21.96% up to 30.49%.
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.
Gas rewards.
Fair or better credit required. You stand a chance of qualifying if your credit score is not below 580.

NTB Credit Card Pros & Cons

The Good	The Bad
No interest if paid in full within 12 months on purchases of $699.00 or more. Also accepted at participating Exxon, Mobile and Tire Kingdom locations. Helpful toward building credit if used responsibly. 0% APR on new purchases during the first 12 months. No annual fee. Considers applicants with fair or poor credit. NTB Credit Card reports to multiple credit bureaus.	High interest rate. Keep in mind that the introductory offer requires the entire balance to be paid within 12 months. If it is not, interest will retroactively be charged to your account from the purchase date. No points or rewards program. Higher than average purchase APRs. 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 benefits.

The Good

The Bad

No interest if paid in full within 12 months on purchases of $699.00 or more.
Also accepted at participating Exxon, Mobile and Tire Kingdom locations.
Helpful toward building credit if used responsibly.
0% APR on new purchases during the first 12 months.
No annual fee.
Considers applicants with fair or poor credit.
NTB Credit Card reports to multiple credit bureaus.

High interest rate.
Keep in mind that the introductory offer requires the entire balance to be paid within 12 months. If it is not, interest will retroactively be charged to your account from the purchase date.
No points or rewards program.
Higher than average purchase APRs.
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 benefits.

NTB Credit Card FAQ

Is there a NTB Credit Card cash back or rewards program?

No, NTB Credit Card does not offer a rewards program.

What are the relevant APRs for NTB Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. NTB Credit Card has higher than average purchase APRs.

NTB Credit Card has a variable purchase APR that ranges from 21.96% up to 30.49%.

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

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

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

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 12 months.

NTB Credit Card Purchase Intro Offer
Description
Introductory Rate	0%
Purchase Intro APR Period (months)	12

What are the fees for NTB Credit Card?

The following fees apply to NTB Credit Card:

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

Does NTB Credit Card report your account activity to credit bureaus?

NTB 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 NTB Credit Card

Visit the NTB 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.

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Contact

Headquarters
388 Greenwich Street
New York, NY 10013
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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 - 6:00pm
Saturday 10:00am - 3:00pm

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Availability

Available in 50 states and Washington, D.C.

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Feature Breakdown

Introductory Rate	0%
Purchase Intro APR Period (Variable APR)	12 months

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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
Supported Income Types	Direct Deposit (W2, SSA, SSDI) Cash Payroll Check or Prepaid Card 1099 Misc. Income Tax Returns
Military Status	Active Duty Military Non-Military Veterans Military Dependent
Employment Statuses Considered	Employed Full-Time Employed Part-Time Other Retired Self-Employed Unemployed
Immigration Status Considered	U.S. Citizen U.S. Permanent Resident
Credit Score Range	580 - 850 850 300 580

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NTB Credit Card

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