
City Bank Low Rate Platinum Card
in Personal Credit Cards from City Bank
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Purchase APR (Variable APR) | 6.24% |
Balance Transfer APR (Variable APR) | 6.24% |
Credit Score Range | 600 - 850 |
Annual Fee | $99 |
City Bank Low Rate Platinum Card Review
City Bank Low Rate Platinum Card 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 is everything you need to know to make a good choice.
- 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 6.24%
- $0 Balance transfer fee. This card does not charge a fee on balance transfers, if you transfer the balance within 180 days of opening the account. After the introductory period, the fee is 1%.
- 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 oods if your credit score is above600.
The Good | The Bad |
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Is there a City Bank Low Rate Platinum Card cash back or rewards program?
No, City Bank Low Rate Platinum Card does not offer a rewards program.
What are the City Bank Low Rate Platinum Card benefits?
City Bank Low Rate Platinum Card 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. City Bank Low Rate Platinum Card has lower than average purchase APRs.City Bank Low Rate Platinum Card has a variable purchase APR of 6.24%. The card has a variable balance transfer APR of 6.24% . It also has a variable cash advance APR of 23.99% .
Does City Bank Low Rate Platinum Card have an introductory APR offer on balance transfers?
Yes, City Bank Low Rate Platinum Card offers an introductory 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 | 6.24% |
Balance Transfer Fee Minimum | $10 |
Balance Transfer Fee % | 0% |
Does City Bank Low Rate Platinum Card have an introductory APR offer on new purchases?
City Bank Low Rate Platinum Card does not offer an introductory rate on new purchases.What are the fees for City Bank Low Rate Platinum Card?
The following fees apply to City Bank Low Rate Platinum Card:
- 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 a foreign transaction fee.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 - (806) 792-7101
- Visit Site
Other Services by City Bank

Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- 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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