City National Bank Cash Back Visa Signature Credit Card

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.

Key Takeaways

• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 18% up to 22%.
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible 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

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?

City National Bank Cash Back Visa Signature Credit Card has a variable purchase APR that ranges from 18% up to 22%. The card has a variable balance transfer APR that ranges from 18% up to 22%. It also has a variable cash advance APR of 24% .

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

The following fees apply:

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 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.