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  City National Bank World and Preferred Points Card

City National Bank World and Preferred Points Card

in Personal Credit Cards from City National Bank of Texas

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City National Bank World and Preferred Points Card

Unaffiliated

in Personal Credit Cards from City National Bank of Texas

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Highlights
Purchase APR  (Variable APR) 17.49%
Balance Transfer APR  (Variable APR) 17.49%
Credit Score Range 650 - 850
Annual Fee $0

City National Bank World and Preferred Points Card Review

This is a rewards credit card issued by City National Bank of Texas. If you're wondering whether City National Bank World and Preferred Points 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
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 17.49%
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of City National Bank World and Preferred Points Card
The Good The Bad
  • Has an introductory APR rate on balance transfers of 2.90%.
  • No balance transfer fee.
  • No annual fee.
  • Offers auto rental collision damage waiver.
  • Identity Theft Protection.
  • Cardholders can earn rewards on purchases everywhere City National Bank World and Preferred Points Card is accepted.
  • City National Bank World and Preferred Points Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 2%.
City National Bank World and Preferred Points Card FAQ

Does City National Bank World and Preferred Points Card have a cash back or rewards program?

City National Bank World and Preferred Points Card is a rewards card.

City National Bank World and Preferred Points Card Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A

Does City National Bank World and Preferred Points Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does City National Bank World and Preferred Points Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the City National Bank World and Preferred Points Card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for City National Bank World and Preferred Points 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 higher than average regular APRs.

It has a variable purchase APR of 17.49%. The card has a variable balance transfer APR of 17.49% . It also has a variable cash advance APR of 17.49% . Note that late payments are subject to an APR of 21% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does City National Bank World and Preferred Points Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 2.90% for a period of up to 6 months.

City National Bank World and Preferred Points Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period 3%
Balance Transfer Introductory APR 2.90%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 17.49%
Balance Transfer Fee Minimum $10

Does City National Bank World and Preferred Points Card have an intro APR offer on new purchases?

City National Bank World and Preferred Points Card Purchase Intro Offer
Description
Introductory Rate 2.90%
Purchase Intro APR Period 6 months

This card does offer an intro APR rate of 2.90% on qualified purchases for a period of up to 6 months.

What are the fees for City National Bank World and Preferred Points Card?

The following fees apply:

City National Bank World and Preferred Points Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 2%
Returned Payment Fee up to $25
Late Payment Fee up to $25

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

Does City National Bank World and Preferred Points Card have a foreign transaction fee?

City National Bank World and Preferred Points Card charges a foreign transaction fee of 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. 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 World and Preferred Points Card?

The City National Bank World and Preferred Points Card customer service number is (833) 501-8764.

What is the support contact email for City National Bank World and Preferred Points Card?

The support contact email for City National Bank World and Preferred Points Card is info@cnbt.bank.

Does City National Bank World and Preferred Points Card report your account activity to credit bureaus?

Yes, City National Bank World and Preferred Points 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 World and Preferred Points Card

  • Visit the City National Bank World and Preferred Points 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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 5:00pm
  • Tuesday 8:00am - 5:00pm
  • Wednesday 8:00am - 5:00pm
  • Thursday 8:00am - 5:00pm
  • Friday 8:00am - 5:00pm
  • Saturday Closed

Other Services by City National Bank of Texas

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Introductory Rate 2.90%
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 2%
Returned Payment Fee Up to $25
Late Fee Amount Up to $25
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
  • Fraud Liability
  • Identity Theft Protection
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 17.49%
Balance Computation Average daily balance (including new purchase)
Penalty APR (Variable APR) 21%
Purchase APR (Variable APR) 17.49%
Balance Transfer Fee % After Intro Period 3%
Balance Transfer Introductory APR (Variable APR) 2.90%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 17.49%
Balance Transfer Fee Minimum $10
Card Type
  • Rewards
Card Network Mastercard

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