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  NTB Credit Card

NTB Credit Card

in Personal Credit Cards from Citibank

Unaffiliated

NTB Credit Card

Unaffiliated

in Personal Credit Cards from Citibank

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Highlights
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.
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.

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

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
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
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Balance Computation Daily balance
Purchase APR (Variable APR) 21.96% - 30.49%
Card Type Gas
Card Network Other

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