City National Bank Standard Card
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| Purchase APR (Variable APR) | 16.49% |
| Balance Transfer APR (Variable APR) | 16.49% |
| Credit Score Range | 650 - 850 |
| Annual Fee | $0 |
City National Bank Standard Card Review
This is a card issued by City National Bank of Texas. If you're wondering whether City National Bank Standard Card is the right card for you, read on.
Key Takeaways
- Competitive APRs. City National Bank Standard Card has a variable purchase APR of 16.49%
- No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
- 3% Balance transfer fee. City National Bank Standard 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.
- Airport Lounge Access. Benefits like airport lounge access can add luxury to your travel experience.
- Multiple business credit card benefits. Includes generous credit card perks, such as rental insurance, airline credit, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, price protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of City National Bank Standard Card
| The Good | The Bad |
|---|---|
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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 card does not offer an introductory rate on new purchases.| 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:
- There is no annual fee.
- 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.
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| 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 or rewards program?
No, it does not offer a cash back rewards program.
What are the benefits?
This business credit card provides the following benefits:
- Free Credit Score
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Trip Cancellation Insurance
- Fraud Liability
- Price Protection
- Travel Accident Insurance
- Free Credit Report
- Cellular Telephone Protection
- Travel Assistance
- 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 Standard Card report your account activity to credit bureaus?
Yes, City National Bank Standard 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.
Message From City National Bank Standard Card
Contact
- Headquarters
-
201 Connally Street
Sulphur Springs, TX 75482 USA - (833) 501-8764
- Visit Site
- Email Support
Other Services by City National Bank of Texas
Other Business Credit Cards by City National Bank of Texas
Feature Breakdown
| Annual Fee | $0 |
| 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 |
| No Annual Fee | |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to $25 |
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