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  City National Bank Standard Card

City National Bank Standard Card

in Business Credit Cards from City National Bank of Texas

Unaffiliated

City National Bank Standard 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 $0

City National Bank Standard Card Review

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, Global Entry / TSA Precheck Fee Credit, 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
  • No annual fee.
  • Multiple business credit card perks.
  • Airline Credit.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Extended warranty and price protection on purchases.
  • Free access to your credit score.
  • Global Entry / TSA Precheck Fee Credit.
  • Identity Theft Protection.
  • No Personal Guarantee Required.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • City National Bank Standard Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 2%.
  • You don't earn rewards on every purchase.
  • 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 Standard Card FAQ

Who is City National Bank Standard 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 Standard 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:

  • 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.

City National Bank Standard Card Fees
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 rewards program?

No, it does not offer a cash back rewards program.

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:

  • 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.
View City National Bank Standard Card's published terms & conditions.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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 Standard Card

Choose the card that is right for your business - Standard Card with no annual fee. 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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View all business credit cards offered by City National Bank of Texas

Feature Breakdown

Annual Fee $0
No Annual Fee
No Interest Grace Period for Late Payment 25 days
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
  • Extended Warranty Protection
  • Price Protection
  • Purchase Protection
  • Trip Cancellation Insurance
  • Emergency Support
  • Fraud Liability
  • Free Credit Score
  • Cellular Telephone Protection
  • Travel Accident Insurance
  • Free Credit Report
  • Global Entry / TSA Precheck Fee Credit
  • Travel Assistance
  • Concierge
  • Airline Credit
  • Airport Lounge Access
  • No Personal Guarantee Required
Rewards Type No Rewards
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
  • Low Interest

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