
City Bank Platinum Card
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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
This 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 review will provide you with with all the details you need 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.
- 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 will have good approval odds if your credit score is above 650.
The Good | The Bad |
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Does City Bank Platinum Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the City Bank Platinum Card benefits?
It 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 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 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 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 | 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 intro APR offer on new purchases?
Description | |
---|---|
Introductory Rate | 0% |
Purchase Intro APR Period | 6 months |
This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 6 months.
What are the fees for City Bank Platinum Card?
The following fees apply:
- There is no overlimit fee
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 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
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 foreign transaction fees.What is the support contact email for City Bank Platinum Card?
The support contact email for City Bank Platinum Card is support@citybanktexas.com.
How do people rate the customer service and user experience of City Bank Platinum Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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.
Contact
- Headquarters
-
5219 City Bank Pkwy
Lubbock, TX 79407 - Visit Site
- Email Support
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
Introductory Rate | 0% |
Purchase Intro APR Period (Variable APR) | 6 months |
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