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welcome offer

Earn $200 after spending $1,000 within the first 120 days.

Bonus Value

Approximately $200

Annual Fee

$0

Card Rewards

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

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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.

Card Overview

Enjoy 4 points on dining, 2 points on groceries and gas, and more, with the NBT Bank Platinum card.

Card-Smart Tips & Advice
  • 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)

50% Approved
620 Avg. Score of those approved
50% Denied
Approved 50% (1)
Denied 50% (1)

Credit limit range $6,000-$6,000

Avg. Credit limit$6,000

Approved 50% (1)
Denied 50% (1)

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.

Card Details And Benefits
Rewards

- 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

Foreign Transaction Fee

The fee is 2% if the foreign transaction in US dollars and 3% if the foreign transactions that is a different currency.

Get started Card not affiliated
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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
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.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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