My Bank Offers Credit Cards?

Apply today for a CNB Visa credit card!

Many people may not realize their local bank even offers personal credit cards. Giants such as Bank of America and Chase seem to have cornered the market (or at least paid the most in advertising) for the opportunity to be in your wallet. Oftentimes however, a local bank can offer you a credit card with lower fees or rates than the big guys – and you still get rewards too!

Credit cards offered through your local bank are typically Visa or Mastercard, and as such, carry the same benefits that those card companies offer to all their cardholders, including: auto rental collision damage waiver, inquiry services, emergency card replacement and cash disbursement, lost/stolen card reporting and zero liability policy. By choosing your local bank’s credit card however, you may get more personalized service, and in some cases, a lower rate. According to, the average rate on a rewards credit card is currently 15.88% APR*. Citizens National Bank’s Preferred & Platinum Visa’s rate is currently 8.25% APR**. All of Citizens National Bank’s credit cards offer Score Card Rewards, a points-based reward system that offers the ability to cash in points for merchandise or travel. You earn 1 point for every $1 spent. You also have the opportunity to earn 2x, 3x or even 4x more points by using retailers they’ve partnered with including Macy’s and through their ScoreMore program.

If you currently have a checking account with Citizens National Bank, you are eligible to apply for a CNB Visa Credit Card***. We offer Platinum, Preferred and Classic cards, depending upon with checking account you hold. To apply, stop by any CNB office and speak with a Customer Service Representative or download an application at Learn more about our Rewards program at

* National average as of 5/2/13.
** Rate as of 5/1/13. Variable rate based on the Prime Rate.
*** Subject to credit approval.


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