City National Bank Crystal Visa Credit Card

City National Bank Crystal Visa Credit Card Review

This is a secured credit card rewards card issued by City National Bank. If you're wondering whether City National Bank Crystal Visa 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 20.00% up to 24.00%.
• 3% Balance transfer fee. City National Bank Crystal Visa 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.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• 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, trip cancellation insurance, 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 Crystal Visa Credit Card

The Good

The Bad

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. Trip cancellation insurance. No foreign transaction fee. Cardholders can earn rewards on purchases everywhere City National Bank Crystal Visa Credit Card is accepted. City National Bank Crystal Visa Credit Card reports to multiple credit bureaus.

Higher than average purchase APRs. Charges an annual fee of $400 Does not offer a signup bonus. Charges a 3% balance transfer fee.

City National Bank Crystal Visa Credit Card FAQ

Does City National Bank Crystal Visa Credit Card have a cash back or rewards program?

City National Bank Crystal Visa Credit Card is a rewards card.

City National Bank Crystal Visa Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A

What are the City National Bank Crystal Visa Credit Card benefits?

It provides the following benefits:

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

What are the relevant APRs for City National Bank Crystal Visa 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. This card has higher than average regular APRs.

City National Bank Crystal Visa Credit Card has a variable purchase APR that ranges from 20.00% up to 24.00%. The card has a variable balance transfer APR that ranges from 20.00% up to 24.00%. It also has a variable cash advance APR of 26.00% .

What are the fees for City National Bank Crystal Visa Credit Card?

The following fees apply:

City National Bank Crystal Visa Credit Card Fees

Fees	Amount
Annual Fee	$400
Foreign Transaction Fee	0%
Returned Payment Fee	up to $20
Late Payment Fee	up to $15

Does City National Bank Crystal Visa Credit Card report your account activity to credit bureaus?

Yes, City National Bank Crystal Visa 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 Crystal Visa Credit Card

• Visit the City National Bank Crystal Visa 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.