Last Updated: 05/14/2026
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Highlights
Purchase APR (Variable APR)
9.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
9.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
600 - 850
Annual Fee
$99
City Bank Low Rate Platinum Card Review
This is a card issued by City Bank. If you're wondering whether City Bank Low Rate Platinum Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 6 months, which is shorter than the average 0% APR period of 12 months.
- APRs: City Bank Low Rate Platinum Card has a variable regular purchase APR of 9.24%
- A 1% balance transfer fee. City Bank Low Rate Platinum Card charges a fee of 1% on balance transfers. 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 up to 1.5% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, extended warranty protection on purchases, identity theft protection, price protection, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
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.
| Description |
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.City Bank Low Rate Platinum Card has a variable purchase APR of 9.24%. The card has a variable balance transfer APR of 9.24% . 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 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 9.24% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Intro Period | 180 days | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1.5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $99 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 4% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $99.
There is a late fee of up to $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 up to 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 customer service number for City Bank Low Rate Platinum Card 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.
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 to the following credit bureaus:
- 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 build your credit.
Does City Bank perform a hard credit pull?
Yes, City Bank Low Rate Platinum Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for City Bank Low Rate Platinum Card
- Visit the website of City Bank Low Rate Platinum Card.
- 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.
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.
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Other Credit Cards from City Bank
Rating not yet determined
Purchase APR
11.99% - 19.99%
Disclaimer popup with additional information
Balance Transfer APR
11.99% - 19.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
15.24% - 21.24%
Disclaimer popup with additional information
Balance Transfer APR
15.24% - 21.24%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
15.99% - 22.99%
Disclaimer popup with additional information
Balance Transfer APR
15.99% - 22.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$95
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Learn MoreSuperMoney Net Recommendation Score
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