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Christmas Club Accounts: Account balances will be transferred to the linked checking or savings account on October 1, 2015.

Visa Credit Card

Get instant purchasing power with a no annual fee Visa card. When dining out, traveling or shopping, you can avoid the risk of running out of cash and the hassle of carrying your checkbook. You can also use your Visa card for emergency cash advances.

Apply Today!
personal credit card Visa
Download and complete the application and submit it to any of our offices. Must have a Citizens National Bank checking account to qualify.
Subject to credit approval.
scorecard rewards

Earn 1 Bonus Point for Every $1 Purchased

If you have a Citizens National Bank Visa® Credit Card, you are automatically enrolled in our rewards program, ScoreCard Rewards. You will receive one point for every $1 charged to your credit card. As points accumulate you may use them to purchase merchandise or travel through the ScoreCard website, - Online Credit Card Management

Access your credit card information 24 hours a day through this convenient online service. Go to and enroll. Once logged in these exciting features are all available at the click of a mouse:

  • View account balance
  • Check available credit
  • View current and past statements
  • Make payments online
  • Download transaction history to financial software
  • Manage multiple accounts
  • Set-up recurring payments
Additionally you can sign up for e-mail alerts to notify you when a payment is due, a new statement is available and if you have reached your credit limit.

Visa's Zero Liability Policy

When you use your Citizens Natioanl Bank Visa® Credit Card or CheckCard to shop online, in a store, or anywhere, you are protected from unauthorized use of your card or account information. With Visa's Zero Liability Policy*, your liability for unauthorized transactions is $0 - you pay nothing! Visa takes online security very seriously so you can focus on your shopping.

* U.S.-issued cards only. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen CNB Visa® credit card or CNB Visa® CheckCard. This additional liability does not apply to ATM transactions, to transactions using your Personal Identification Number (PIN) which are not processed by Visa®. See your Cardholder Agreement for more details.
Log in to track your Visa® expenses and pay your bill online.
More Information
To learn more about our credit card and other personal banking services, call:
Mon. - Fri. 8:30 am - 5 pm EST
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