
NTB Credit Card
in Personal Credit Cards from Citibank
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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.
- 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.
- Fair or better credit required. You stand a chance of qualifying if your credit score is not below 580.
The Good | The Bad |
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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.
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:
Fees | Amount |
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Annual Fee | $0 |
Late Payment Fee | up to $39 |
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.
Contact
- Headquarters
-
388 Greenwich Street
New York, NY 10013 - Visit Site
Other Services by Citibank

Availability
- 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 |
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