NTB Credit Card is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs.
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
28.49%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
580 - 850
Annual Fee
$0
NTB Credit Card Review
NTB Credit Card is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs. |
This is a store card issued by Citi®. If you're wondering whether NTB Credit Card is the right card for you, read on.
Key Takeaways
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 12 months.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 28.49%
- 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.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of NTB credit card
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NTB credit card FAQ
Does NTB credit card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for NTB 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 higher than average regular APRs.NTB Credit Card has a variable purchase APR of 28.49%. NTB Credit Card does not offer balance transfers.
Does NTB credit card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. NTB Credit Card does not offer balance transfers.Does NTB credit card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 12 months.
What are the fees for NTB credit card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
What is the customer service phone number for NTB credit card?
The customer service number for NTB credit card is (800) 950-5114.
What is the support contact email for NTB credit card?
The support contact email for NTB credit card is customer.help@citi.com.
What is the login page for NTB credit card?
You can access the login page of NTB credit card here.
How do people rate the customer service and user experience of NTB credit card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does NTB Credit Card report your account activity to credit bureaus?
Yes, NTB 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 Citi® perform a hard credit pull?
Yes, NTB 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 NTB credit card
- Visit the website of NTB 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.
Message from NTB credit card
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