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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
Annual Fee $0
Purchase APR  (Variable APR) 21.96% - 30.49%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 580 - 850

NTB Credit Card Review

NTB Credit Card is a credit card issued by Citibank. 

This card is designed for people with fair credit. The minimum credit score to apply is 580. 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.

Pros & Cons of NTB Credit Card
The Good The Bad
  • No annual fee.
  • Considers applicants with fair or poor credit.
  • NTB Credit Card reports to multiple credit bureaus.
  • 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.
  • 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 rewards.
  • 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.
  • Is there a NTB Credit Card cash back or rewards program?

    No, NTB Credit Card does not offer a rewards program.

    NTB Credit Card Rewards
    Rewards rate (all purchases) N/A
    Max rewards rate N/A
    Annual rewards limit N/A
    Signup Bonus ($) N/A

    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?

    This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 12 months.

    NTB Credit Card Balance Transfers
    Description
    Balance Transfer APR N/A
    Introductory Rate N/A
    Intro APR period (months) N/A
    NTB Credit Card Rates & Terms
    Description
    Balance Computation Daily balance
    Purchase APR 21.96% - 30.49%
    Credit Limit N/A
    Penalty APR N/A
    Cash Advance APR N/A
    Security Deposit N/A
    Introductory Rate 0%
    Intro APR period (months) 12

    What are the NTB Credit Card fees?

    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 score.

    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...

    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      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

    Annual Fee $0
    No Annual Fee  
    No Interest Grace Period for Late Payment 25
    Late Fee Amount Up to $39
    Minimum Interest Charge $2
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    • Tax Returns
    Card Network
    • Other
    Card Type
    • Gas
    Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
    Purchase APR (Variable APR) 21.96% - 30.49%
    Balance Computation Daily balance
    Introductory Rate 0%

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