🚀 Our new App is live!  Signup

💳 The best offers for April! Details 

Advertiser Disclosure

Advertiser Disclosure

Although we put in a lot of effort to give our readers unbiased information, and we include many credit card offers on our website for which we do not get paid any compensation, we are legally required to notify you that we may be receiving compensation from some of the credit card companies mentioned on our website.

Some of the credit card offers which appear on helpmebuildcredit.com are from credit card companies from which this site possibly receives compensation. This compensation may impact how and where credit card offers appear on this site. This site possibly does not include all available credit card offers.

 

Close
Stay updated on new credit card offers
Not Affiliated card-image

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.

welcome offer

Intro 0% APR for 18 months on purchases and balance transfers (after that 18.24% to 29.24% variable). The balance transfer fee is 5% or $5, whichever is greater.

Bonus Value

Approximately $0

Annual Fee

$0

Card Rewards

No rewards on all purchases

Add to compare

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.

Author - Sam Updated: December 1, 2023 | Credit Card Review
Card Overview

Get 0% APR on purchases and balance transfers 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)

71% Approved
716 Avg. Score of those approved
29% Denied
Approved 71% (5)
Denied 29% (2)

Credit limit range $500-$14,500

Avg. Credit limit$4,780

Approved 71% (5)
Denied 29% (2)

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.

HelpMeBuildCredit credit ranges are a variation of FICO®️ Score 8, one of many types of credit scores lenders may use when considering your credit card application

Card Details And Benefits
Get Started Card not affiliated
Add to compare

People also viewed:

image

Wells Fargo Reflect

image

U.S. Bank Platinum

image

Diamond Preferred

image

Citi Simplicity

image

TD FlexPay

image

Bank AmeriCard

image

Unlimited Cash Rewards

image

Citi Rewards Card

image

Amex Everyday

image

Blue Cash Everyday

image

Carnival Mastercard

image

Blue Business Plus

image

Harley Davidson Visa

*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.

success_icon

Download link sent
succesfully

Got it * please check your promotional inbox
fail_icon

Error sending download link

Try Again