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  City Bank Platinum Card

City Bank Platinum Card

in Personal Credit Cards from City Bank

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City Bank Platinum Card

Unaffiliated

in Personal Credit Cards from City Bank

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Highlights
Purchase APR  (Variable APR) 8.99% - 16.99%
Balance Transfer APR  (Variable APR) 8.99% - 16.99%
Credit Score Range 650 - 850
Annual Fee $0

City Bank Platinum Card Review

City Bank Platinum Card is a credit card issued by City Bank. If you're wondering whether City Bank Platinum Card is the right card for you, read on. This is everything you need to know 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.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
  • Competitive APRs. City Bank Platinum Card has a variable purchase APR that ranges from 8.99% up to 16.99%.
  • 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.
  • 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, emergency support, extended warranty protection on purchases, identity theft protection, price protection, and fraud protection.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.
City Bank Platinum Card Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • No balance transfer fee.
  • 0% APR on new purchases during the first 6 months.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty and price protection on purchases.
  • Identity Theft Protection.
  • City Bank Platinum 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 1.5%.
  • You don't earn rewards on every purchase.
City Bank Platinum Card FAQ

Is there a City Bank Platinum Card cash back or rewards program?

No, City Bank Platinum Card does not offer a rewards program.

What are the City Bank Platinum Card benefits?

City Bank Platinum Card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Price Protection
  • Reports to major credit bureaus

What are the relevant APRs for City Bank 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 Platinum Card has lower than average purchase APRs.

City Bank Platinum Card has a variable purchase APR that ranges from 8.99% up to 16.99%. The card has a variable balance transfer APR that ranges from 8.99% up to 16.99%. It also has a variable cash advance APR of 21% .

Does City Bank Platinum Card have an introductory APR offer on balance transfers?

Yes, City Bank Platinum Card offers an introductory APR rate on balance transfers of 0% for a period of up to 6 months.

City Bank Platinum Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period 3%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 8.99% - 16.99%
Balance Transfer Fee Minimum $10

Does City Bank Platinum Card have an introductory APR offer on new purchases?

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 6 months.

City Bank Platinum Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 6 months

What are the fees for City Bank Platinum Card?

The following fees apply to City Bank Platinum Card:

  • There is no overlimit fee
City Bank Platinum Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 1.5%
Returned Payment Fee up to $35
Late Payment Fee up to $35

Does City Bank Platinum Card have a foreign transaction fee?

City Bank 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 Platinum Card report your account activity to credit bureaus?

Yes, City Bank 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 Platinum Card

  • Visit the City Bank 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.

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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00am
  • Tuesday 9:00am - 5:00am
  • Wednesday 9:00am - 5:00am
  • Thursday 9:00am - 5:00am
  • Friday 9:00am - 5:00am
  • Saturday Closed

Other Services by City Bank

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View all personal credit cards offered by City Bank

Availability

  Available in 50 states and Washington, D.C.
  • 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

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 4%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 1.5%
Minimum Interest Charge $1
Returned Payment Fee Up to $35
Paper Statement Fee $5
Late Fee Amount Up to $35
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Price Protection
Rewards Type No Rewards
Cash Advance APR (Variable APR) 21%
Balance Computation Average daily balance (including new purchases)
Purchase APR (Variable APR) 8.99% - 16.99%
Balance Transfer Fee % After Intro Period 3%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 8.99% - 16.99%
Balance Transfer Fee Minimum $10
Card Type
  • Balance Transfer
Card Network Mastercard

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