City Bank World Card

City Bank World Card Review

This is a rewards card issued by City Bank. If you're wondering whether City Bank World Card is the right card for you, read on.

Key Takeaways

• Generous reward rate. You can get a rewards rate of up to 3 reward points per dollar spent.
• Your card earns a one-time $500 cash back bonus when you spend $5,000 in the first 90 days of account opening.
• Competitive APRs. City Bank World Card has a variable purchase APR that ranges from 15.99% up to 22.99%.
• 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 Auto Rental Collision Damage Waiver, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, price protection, purchase security, 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

Potentially 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

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. This card has lower than average regular APRs.

City Bank World Card has a variable purchase APR that ranges from 15.99% up to 22.99%. The card has a variable balance transfer APR that ranges from 15.99% up to 22.99%. It also has a variable cash advance APR of 23.99% .

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
Initial Program Fee	$
Foreign Transaction Fee	1.5%
Returned Payment Fee	Starting at $ up to $35
Late Payment Fee	Starting at up to $35

This card charges a $95 annual fee.

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.