This product is no longer available to new customers.
  NTB Credit Card

Not Currently Available

NTB Credit Card

Not Currently Available

NTB Credit Card

Not enough votes for recommendation

Not enough votes for recommendation

Explore a similar product
Try this top product in Credit Cards.
Chime secured Credit Builder Visa® Credit Card
Chime secured Credit Builder Visa® Credit Card 21 reviews
Purchase APR  (Variable APR) 28.49%
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 Credit Cards 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 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%.

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.

Does NTB credit card have an intro APR offer on new purchases?

NTB Credit Card Purchase Intro Offer
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 up to 12 months.

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.

What is the customer service phone number for NTB credit card?

The NTB credit card customer service number is (800) 950-5114.

What is the support contact email for NTB credit card?

The support contact email for NTB credit card is

What is the NTB credit card login page?

You can access the NTB credit card login page 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 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.

SuperMoney Disclosure: 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.

Message From NTB credit card

While we're a global bank, our mission is simple: We responsibly provide financial services that enable growth and economic progress. Citi works tirelessly to provide consumers, corporations, governments and institutions with a broad range of financial services and products. We strive to create the best outcomes for our clients and customers with financial ingenuity that leads to solutions that are simple, creative and responsible.

The NTB and Tire Kingdom Store Credit Card is already a great way to handle unexpected costs.Did you know that it's also accepted at participating Exxon and Mobil gas stations nationwide, too? Use it today and get rewarded!


  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • 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
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
No Annual Fee
Annual Fee $0
Minimum Interest Charge $2
No Interest Grace Period for Late Payment 25 days
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 580 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Type No Rewards
APR Type Variable APR
Balance Computation Daily balance (including current transactions)
Purchase APR (Variable APR) 28.49%
Card Type
  • Store Card
Card Network Other

Be the first to rate


Would you recommend NTB Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Credit Cards

Check out this Credit Cards option instead:

Citi® Credit Cards