City Bank Low Rate Platinum Card
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| Purchase APR (Variable APR) | 8.49% |
| Balance Transfer APR (Variable APR) | 8.49% |
| Credit Score Range | 600 - 850 |
| Annual Fee | $99 |
City Bank Low Rate Platinum Card Review
This is a credit card issued by City Bank. If you're wondering whether City Bank Low Rate Platinum Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.
Key Takeaways
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter than the average 0% APR period of 12 months.
- Competitive APRs. City Bank Low Rate Platinum Card has a variable purchase APR of 8.49%
- 1% Balance transfer fee. City Bank Low Rate Platinum Card charges a fee of 1% on balance transfers, if you transfer the balance within 180 days of opening the account. For example, a balance of $1,000 could cost $10 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 1.5% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, extended warranty protection on purchases, identity theft protection, price protection, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of City Bank Low Rate Platinum Card
| The Good | The Bad |
|---|---|
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City Bank Low Rate Platinum Card FAQ
Does City Bank Low Rate Platinum Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the City Bank Low Rate Platinum Card benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Extended Warranty Protection
- Zero fraud liability
- Price Protection
- Reports to major credit bureaus
What are the relevant APRs for City Bank Low Rate Platinum Card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.City Bank Low Rate Platinum Card has a variable purchase APR of 8.49%. The card has a variable balance transfer APR of 8.49% . It also has a variable cash advance APR of 23.99% .
Does City Bank Low Rate Platinum Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 6 months.
| Description | |
|---|---|
| Balance Transfer Fee % After Intro Period | 1% |
| Balance Transfer Fee Intro Period | 180 days |
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 6 months |
| Balance Transfer APR | 8.49% |
| Balance Transfer Fee Minimum | $10 |
| Balance Transfer Fee % | 1% |
Does City Bank Low Rate Platinum Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for City Bank Low Rate Platinum Card?
The following fees apply:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $99 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 1.5% |
| Returned Payment Fee | up to $35 |
| Late Payment Fee | $0 |
Does City Bank Low Rate Platinum Card have a foreign transaction fee?
City Bank Low Rate Platinum Card charges a foreign transaction fee of 1.5%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $30. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for City Bank Low Rate Platinum Card?
The City Bank Low Rate Platinum Card customer service number is (806) 792-7101.
What is the support contact email for City Bank Low Rate Platinum Card?
The support contact email for City Bank Low Rate Platinum Card is support@citybanktexas.com.
What is the City Bank Low Rate Platinum Card login page?
You can access the City Bank Low Rate Platinum Card login page here.
How do people rate the customer service and user experience of City Bank Low Rate Platinum Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does City Bank Low Rate Platinum Card report your account activity to credit bureaus?
Yes, City Bank Low Rate Platinum 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 for City Bank Low Rate Platinum Card
- Visit the City Bank Low Rate Platinum Card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
5219 City Bank Pkwy
Lubbock, TX 79407 USA - (806) 792-7101
- Visit Site
- Email Support
Other Services by City Bank
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Feature Breakdown
| Over-Limit Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Late Fee Amount | $0 |
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | Up to 4% |
| Minimum Cash Advance Fee ($) | Starting at $10 |
| Foreign Currency Transaction Fee | 1.5% |
| Annual Fee | $99 |
| Minimum Interest Charge | $1 |
| Returned Payment Fee | Up to $35 |
| Paper Statement Fee | $5 |
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