Bank · FDIC insured
Citizens National Bank Credit Card Rates
Citizens National Bank credit cards start at 10.90% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Citizens National Bank’s credit card rates compare
Compared with banks and credit unions near Sevierville, TN, where Citizens National Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
Citizens National Bank
10.90%APR
- Up to
- —
VISA Premier
Lowest rate
Knoxville TVA Employees Credit Union
9.99%APR
- Up to
- 18.00% APR
3rd-lowest rate
tnConnect Credit Union
10.90%APR
- Up to
- —
Citizens National Bank credit card score
79
Credit card score
Higher than 48% of U.S. banks and credit unions
- Purchase APRPurchase APR10.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Citizens National Bank ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
VISA Premier
Rate is variable and determined by adding 3.9% to the highest Prime Rate published in the Money Tables of the Wall Street Journal; APR may vary each calendar quarter that the New York Prime Rate varies.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.65% | None | Variable APR based on Prime Rate + 3.9%. Applies to purchases, balance transfers, and cash advances. |
Sources (2)
All captured Oct 15, 2026
VISA Traditional
Rate is variable and determined by adding 6.9% to the highest Prime Rate published in the Money Tables of the Wall Street Journal; APR may vary each calendar quarter that the New York Prime Rate varies.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.65% | None | Variable APR based on Prime Rate + 6.9%. Applies to purchases, balance transfers, and cash advances. |
Sources (2)
All captured Oct 15, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.