Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Enjoy 4 points on dining, 2 points on groceries and gas, and more, with the NBT Bank Platinum card.
- Credit: Good credit needed
- Credit bureau: This card is issued by Elan Financial will usually pull your Experian credit report
- Check application status: You can check your application status by calling 1 800 364 9648
- Reconsideration: If declined you can call 1 800 364 9648 to be reconsidered
Approval Monitor (submitted by HelpMeBuildCredit users)
Credit limit range $6,000-$6,000
Avg. Credit limit$6,000
Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.
- 4 points on dining, takeout and food delivery
- 2 points on groceries, grocery deliveries, gas and electric vehicle charging stations, and streaming services
- 1 point on all other purchases
The fee is 2% if the foreign transaction in US dollars and 3% if the foreign transactions that is a different currency.