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  City National Bank Preferred Points Card

City National Bank Preferred Points Card

in Business Credit Cards from City National Bank of Texas

Unaffiliated

City National Bank Preferred Points Card

Unaffiliated

in Business Credit Cards from City National Bank of Texas

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Highlights
Purchase APR  (Variable APR) 16.49%
Balance Transfer APR  (Variable APR) 16.49%
Credit Score Range 650 - 850
Annual Fee $49

City National Bank Preferred Points Card Review

Key Takeaways
  • Competitive APRs. City National Bank Preferred Points Card has a variable purchase APR of 16.49%
  • 3% Balance transfer fee. City National Bank Preferred Points Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2% every time you make a transaction outside the U.S.
  • Multiple business credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, identity theft protection, and fraud protection.
  • Fair or better credit required. You will have good approval oods if your credit score is above650.
Pros & Cons of City National Bank Preferred Points Card
The Good The Bad
  • Multiple business credit card perks.
  • Offers auto rental collision damage waiver.
  • Identity Theft Protection.
  • Cardholders can earn rewards on purchases everywhere City National Bank Preferred Points Card is accepted.
  • City National Bank Preferred Points Card reports to multiple credit bureaus.
  • Charges an annual fee of $49
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 2%.
  • Charges a 3% balance transfer fee. After the introductory period, the fee is 3% of the balance transferred or $10, whichever is greater.
City National Bank Preferred Points Card FAQ

Who is City National Bank Preferred Points Card designed for?

This is a credit card issued by City National Bank of Texas. 

This business card is designed for small businesses with fair credit. The minimum credit score to apply is 650.

What are the relevant APRs?

This business credit card has a variable purchase APR of 16.49%. The card has a variable balance transfer APR of 16.49% .

It also has a variable cash advance APR of 16.49%. Note that late payments are subject to an APR of 21% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does it have an introductory APR offer?

No, this business card does not come with an introductory APR offer for balance transfers.

This business credit card does not offer an introductory rate on new purchases.

City National Bank Preferred Points Card Rates & Terms
Purchase APR 16.49%
Balance Transfer APR 16.49%
Cash Advance APR 16.49%
Penalty APR 21%

What fees does it charge?

The following fees apply to this business credit card:

  • An annual fee of $49.
  • A late payment penalty of up to $25.
  • A returned payment fee of up to $25.

Does it charge a foreign transaction fee?

This business card charges a foreign transaction fee of 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. If you travel abroad you may want to leave this business card at home and apply for one that doesn't charge a foreign transaction fee.

City National Bank Preferred Points Card Fees
Fees Amount
Annual Fee $49
Foreign Transaction Fee 2%
Balance Transfer Fee 3%
Minimum Balance Transfer Fee $10
Returned Payment Fee up to $25
Late Payment Fee up to $25

Does it offer a cash back rewards program?

This business credit card offers a rewards program to its customers. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:

  • Every Purchase

Does it have a sign up bonus?

This business credit card doesn't offer a cash signup bonus.

Does it offer an annual loyalty bonus?

This business card doesn't offer a cash loyalty bonus.

Can I get it with just an employer identification number (EIN)?

You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.

What are the benefits?

This business credit card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
  • Reports to major credit bureaus

What is the customer service phone number?

The customer service number for this business card is (833) 501-8764.

What is the support contact email?

The support contact email for this business credit card is info@cnbt.bank.

Does City National Bank Preferred Points Card report your account activity to credit bureaus?

Yes, City National Bank Preferred Points Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply?

  • Visit the City National Bank of Texas .
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From City National Bank Preferred Points Card

Choose the card that is right for your business -  the Preferred Points Rewards Card. Redeem you rewards points for cash-back rewards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more. To view or redeem rewards points, visit www.mypreferredpoints.com or call 866-678-5191. 24-hour toll-free live customer assistance available at 800-367-7576. Online account information available 24/7 at www.cardaccount.net. Rental car collision damage waiver protection and a host of extraordinary MasterCard benefits.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 5:00pm
  • Tuesday 8:00am - 5:00pm
  • Wednesday 8:00am - 5:00pm
  • Thursday 8:00am - 5:00pm
  • Friday 8:00am - 5:00pm
  • Saturday Closed

Other Services by City National Bank of Texas

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Feature Breakdown

No Interest Grace Period for Late Payment 25 days
Annual Fee $49
Cash Advance Fee (%) 3%
Cash Advance Fee Minimum $10
Foreign Currency Transaction Fee 2%
Late Fee Amount Up to $25
Minimum Cash Advance Fee ($) $10
Returned Payment Fee Up to $25
Customer Type Business
Minimum Age 18
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
Rewards Categories
  • Every Purchase
Balance Computation Average daily balance (including new purchases).
Cash Advance APR (Variable APR) 16.49%
Penalty APR (Variable APR) 21%
Purchase APR (Variable APR) 16.49%
Balance Transfer Fee % 3%
Balance Transfer Fee % After Intro Period 3%
Balance Transfer Fee Minimum $10
Balance Transfer APR (Variable APR) 16.49%
Card Network Mastercard
Card Type
  • Rewards

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