NTB Credit Card

NTB Credit Card Review

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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 up to 12 months.
• High APRs. This is not a great card for people who carry a balance. It has a variable 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.
• Fair or better credit required. You will have good approval odds if your credit score is above 580.

Pros & Cons of NTB credit card

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. There is then a variable purchase APR of 28.49%. No annual fee. Considers applicants with fair 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

Does NTB credit card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the NTB credit card benefits?

It provides the following benefits:

• 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 is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

NTB Credit Card has a variable purchase APR of 28.49%.

What are the fees for NTB credit card?

The following fees apply:

NTB credit card Fees

Fees	Amount
Annual Fee	$0
Late Payment Fee	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.

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

Yes, 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 may 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.