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  City Bank World Card

City Bank World Card

in Personal Credit Cards from City Bank

Unaffiliated

City Bank World Card

Unaffiliated

in Personal Credit Cards from City Bank

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Highlights
Purchase APR  (Variable APR) 12.99% - 19.99%
Balance Transfer APR  (Variable APR) 12.99% - 19.99%
Credit Score Range 650 - 850
Annual Fee $95

City Bank World Card Review

This is a rewards credit card issued by City Bank. If you're wondering whether City Bank World 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
  • Generous reward rate. You will get a rewards rate of up to 3 reward points per dollar spent.
  • Signup bonus. Offers a signup bonus of 50000 points after spending $5,000 within 3 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. City Bank World Card has a variable purchase APR that ranges from 12.99% up to 19.99%.
  • Annual fee waived the first year. City Bank World Card gives you the chance to have the card for a year without paying the $95 annual fee.
  • 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, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, price protection, purchase protection, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of City Bank World Card
The Good The Bad
  • Lower than average purchase APRs.
  • Annual fee waived during the first year.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Extended warranty and price protection on purchases.
  • Identity Theft Protection.
  • Cardholders can earn rewards on purchases everywhere City Bank World Card is accepted.
  • City Bank World Card reports to multiple credit bureaus.
  • Charges an annual fee of $95
  • Charges a foreign transaction fee of 1.5%.
City Bank World Card FAQ

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

City Bank World Card is a rewards card.

City Bank World Card Rewards
Minimum rewards rate 1x
Max rewards rate 3x
Annual rewards limit N/A
Signup Bonus (Points/Miles) 50000
Signup Bonus Spend Requirement $5000
Signup Bonus Spend Period (months) 3 months

Does City Bank World Card have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 50000 points signup bonus after spending $5000 that can be redeemed for travel, gifts, or other perks.

Does City Bank World Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the City Bank World Card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Price Protection
  • No blackout dates when redeeming miles
  • Reports to major credit bureaus

What are the relevant APRs for City Bank World 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 19.99%. The card has a variable balance transfer APR that ranges from 12.99% up to 19.99%. It also has a variable cash advance APR of 23.99% .

Does City Bank World 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 World 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 World Card?

The following fees apply:

  • There is no overlimit fee
City Bank World Card Fees
Fees Amount
Annual Fee $95
Overlimit Fee $0
Foreign Transaction Fee 1.5%
Returned Payment Fee up to $35
Late Payment Fee up to $35

Does City Bank World Card have a foreign transaction fee?

City Bank World 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 World Card?

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

What is the support contact email for City Bank World Card?

The support contact email for City Bank World Card is support@citybanktexas.com.

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

Yes, City Bank World 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 World Card

  • Visit the City Bank World 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.

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

No Annual Fee First Year
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%
Annual Fee $95
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
  • Concierge
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Price Protection
  • Purchase Protection
No Blackout Dates
Rewards Rates
  • Airfare
  • Car Rentals
  • Every Purchase
  • Gas
  • Hotels
  • Restaurants
Signup Bonus (points) 50,000
Cash Advance APR (Variable APR) 23.99%
Balance Computation Average daily balance (including new purchases).
Purchase APR (Variable APR) 12.99% - 19.99%
Balance Transfer Fee % After Intro Period 3%
Balance Transfer APR (Variable APR) 12.99% - 19.99%
Balance Transfer Fee Minimum $10
Card Type
  • Rewards
Card Network Visa

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