The way the credit card market is these days, with new consumer protection laws, just because you haven’t heard of a particular bank or its not one of the big boys doesn’t mean it can’t offer a good credit card, even the best for your needs. That’s the kind of approach you should bring to evaluating the Citizens & Northern Bank Visa Platinum Card. Don’t dismiss it offhand because if it has the best terms, it has the best terms. First of all, the Citizens & Northern Bank Visa Platinum Card doesn’t offer rewards. It does offer 0% on purchases and transfers for 12 months though. That’s about it. Unfortunately, that means the Citizens & Northern Bank Visa Platinum Credit Card isn’t a very competitive option after all. Plenty of cards on the market now offer 0% on purchases and transfers for longer than 12 months AND have some form of rewards, modest or otherwise.

When it comes to alternatives to this Citizens & Northern Bank Visa it really depends on what you’re looking for out of your credit card. People who want rewards should either get a card with a good cash back rate across all purchases like the Capital One Cash Card (1.5%), a card offering a lucrative initial bonus like the Chase Sapphire Preferred ($500 - $625) or a card with increased rewards on your biggest expenses (e.g. Amex’s Blue Cash Everyday). For those who want a 0% rate the Citi Simplicity and Platinum Select cards are obviously better choices than the Citizens & Northern Bank Visa Card since they both offer 0% on purchases and transfers for 21 months.