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  City National Bank Crystal Visa Credit Card
City National Bank Crystal Visa Credit Card Unaffiliated

City National Bank Crystal Visa Credit Card

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Highlights
Purchase APR  (Variable APR) 20.00% - 24.00%
(Verified 10/26/2022)
Balance Transfer APR  (Variable APR) 20.00% - 24.00%
(Verified 10/26/2022)
Credit Score Range 650 - 850
Annual Fee $400

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

Does City National Bank Crystal Visa Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does City National Bank Crystal Visa Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

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% .

Does City National Bank Crystal Visa 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 Crystal Visa 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 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 have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for City National Bank Crystal Visa Credit Card?

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

What is the support contact email for City National Bank Crystal Visa Credit Card?

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

What is the City National Bank Crystal Visa Credit Card login page?

You can access the City National Bank Crystal Visa Credit Card login page here.

How do people rate the customer service and user experience of City National Bank Crystal Visa Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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.

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.

Other Credit Cards by City National Bank

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Availability

  Available in 11 states
  • California
  • Delaware
  • Florida
  • Georgia
  • Massachusetts
  • Minnesota
  • Nevada
  • New York
  • Tennessee
  • Virginia
  • Washington

Feature Breakdown

Cash Advance Fee Minimum $5
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $5
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
Annual Fee $400
Minimum Interest Charge $0.70
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $20
Additional Card Fee Amount $95
Late Fee Amount Up to $15
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Price Protection
  • Purchase Protection
  • Trip Cancellation Insurance
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 26.00%
APR Type Variable APR
Balance Computation average daily balance (including new purchases)
Purchase APR (Variable APR) 20.00% - 24.00%
(Verified 10/26/2022)
Balance Transfer APR (Variable APR) 20.00% - 24.00%
(Verified 10/26/2022)
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Balance Transfer
  • Secured
Card Network Visa

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