City Bank Platinum Rewards Card
in Personal Credit Cards from City Bank
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| 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.
- 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 odds if your credit score is above 650.
| The Good | The Bad |
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Does City Bank Platinum Rewards Card have a cash back or rewards program?
City Bank Platinum Rewards Card is a rewards card.
| 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
| 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.
What is the support contact email for City Bank Platinum Rewards Card?
The support contact email for City Bank Platinum Rewards Card is support@citybanktexas.com.
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.
Contact
- Headquarters
-
5219 City Bank Pkwy
Lubbock, TX 79407 - (806) 792-7101
- 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
| 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 |
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