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  City Bank Platinum Rewards Card

City Bank Platinum Rewards Card

in Personal Credit Cards from City Bank

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City Bank Platinum Rewards Card

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in Personal Credit Cards from City Bank

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Highlights
Purchase APR  (Variable APR) 12.99% - 18.99%
Balance Transfer APR  (Variable APR) 12.99% - 18.99%
Credit Score Range 650 - 850
Annual Fee $0

City Bank Platinum Rewards Card Review

This is a rewards credit card issued by City Bank. If you're wondering whether City Bank Platinum Rewards 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
  • Signup bonus. Offers a signup bonus of 5000 points after spending $1,000 within 3 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. City Bank Platinum Rewards Card has a variable purchase APR that ranges from 12.99% up to 18.99%.
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, 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, 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 above650.
Pros & Cons of City Bank Platinum Rewards Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty and price protection on purchases.
  • Identity Theft Protection.
  • Cardholders can earn rewards on purchases everywhere City Bank Platinum Rewards Card is accepted.
  • City Bank Platinum Rewards Card reports to multiple credit bureaus.
  • Charges a foreign transaction fee of 1.5%.
City Bank Platinum Rewards Card FAQ

Does City Bank Platinum Rewards Card have a cash back or rewards program?

City Bank Platinum Rewards Card is a rewards card.

City Bank Platinum Rewards Card Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus (Points/Miles) 5000
Signup Bonus Spend Requirement $1000
Signup Bonus Spend Period (months) 3 months

Does City Bank Platinum Rewards Card have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 5000 points signup bonus after spending $1000 that can be redeemed for travel, gifts, or other perks.

Does City Bank Platinum Rewards Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the City Bank Platinum Rewards 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 Platinum Rewards 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. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 12.99% up to 18.99%. The card has a variable balance transfer APR that ranges from 12.99% up to 18.99%. It also has a variable cash advance APR of 21% .

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

No, it does not come with an intro APR offer for balance transfers.

Does City Bank Platinum Rewards 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 Platinum Rewards Card?

The following fees apply:

  • There is no overlimit fee
City Bank Platinum Rewards 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

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does City Bank Platinum Rewards Card have a foreign transaction fee?

City Bank Platinum Rewards 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 Platinum Rewards Card?

The City Bank Platinum Rewards Card customer service number is (806) 792-7101.

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

Yes, City Bank Platinum Rewards 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 Rewards Card

  • Visit the City Bank Platinum Rewards 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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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

Every Purchase (Points) 1
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
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Price Protection
Rewards Categories
  • Every Purchase
Signup Bonus (points) 5,000
Cash Advance APR (Variable APR) 21%
Balance Computation Average daily balance (including new purchases).
Purchase APR (Variable APR) 12.99% - 18.99%
Balance Transfer Fee % After Intro Period 3%
Balance Transfer APR (Variable APR) 12.99% - 18.99%
Balance Transfer Fee Minimum $10
Card Type
  • Rewards
Card Network Visa

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