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  City National Bank Cash Back Visa Signature Credit Card

City National Bank Cash Back Visa Signature Credit Card

in Personal Credit Cards from City National Bank

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City National Bank Cash Back Visa Signature Credit Card

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in Personal Credit Cards from City National Bank

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Highlights
Purchase APR  (Variable APR) 15% - 19%
Balance Transfer APR  (Variable APR) 15% - 21%
Credit Score Range 650 - 850
Annual Fee $0

City National Bank Cash Back Visa Signature Credit Card Review

This is a secured credit card cashback credit card issued by City National Bank. If you're wondering whether City National Bank Cash Back Visa Signature Credit 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
  • Competitive APRs. City National Bank Cash Back Visa Signature Credit Card has a variable purchase APR that ranges from 15% up to 19%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. City National Bank Cash Back Visa Signature Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
  • 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, purchase protection, travel accident insurance, travel assistance, 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 National Bank Cash Back Visa Signature Credit 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.
  • Travel accident and travel assistance insurance.
  • City National Bank Cash Back Visa Signature Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Charges a 3% balance transfer fee.
City National Bank Cash Back Visa Signature Credit Card FAQ

Does City National Bank Cash Back Visa Signature Credit Card have a cash back or rewards program?

No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1.5% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $15 back in cash.

What are the City National Bank Cash Back Visa Signature Credit Card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Price Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for City National Bank Cash Back Visa Signature Credit 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 15% up to 19%. The card has a variable balance transfer APR that ranges from 15% up to 21%. It also has a variable cash advance APR of 21% .

Does City National Bank Cash Back Visa Signature Credit Card have an intro APR offer on balance transfers?

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

Does City National Bank Cash Back Visa Signature Credit 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 National Bank Cash Back Visa Signature Credit Card?

The following fees apply:

City National Bank Cash Back Visa Signature Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $20
Late Payment Fee up to $15

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

Does City National Bank Cash Back Visa Signature Credit Card have a foreign transaction fee?

City National Bank Cash Back Visa Signature Credit Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. 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 National Bank Cash Back Visa Signature Credit Card?

The City National Bank Cash Back Visa Signature Credit Card customer service number is (800) 773-7100.

What is the support contact email for City National Bank Cash Back Visa Signature Credit Card?

The support contact email for City National Bank Cash Back Visa Signature Credit Card is contact@cnb.com.

Does City National Bank Cash Back Visa Signature Credit Card report your account activity to credit bureaus?

Yes, City National Bank Cash Back Visa Signature Credit 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 National Bank Cash Back Visa Signature Credit Card

  • Visit the City National Bank Cash Back Visa Signature Credit 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 11 states
  • California
  • Delaware
  • Florida
  • Georgia
  • Massachusetts
  • Minnesota
  • Nevada
  • New York
  • Tennessee
  • Virginia
  • Washington

Feature Breakdown

No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Additional Card Fee Amount $0
Cash Advance Fee Minimum $5
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $5
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $0.70
Returned Payment Fee Up to $20
Late Fee Amount Up to $15
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
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Price Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
Rewards Rates
  • Every Purchase
Cash Advance APR (Variable APR) 21%
Balance Computation average daily balance (including new purchases)
Purchase APR (Variable APR) 15% - 19%
Balance Transfer APR (Variable APR) 15% - 21%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Secured
  • Balance Transfer
  • Cashback
Card Network Visa

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