in Personal Credit Cards from City National Bank of Texas
UnaffiliatedCity National Bank World and Preferred Points Card
in Personal Credit Cards from City National Bank of Texas
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| 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.
- 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.
| The Good | The Bad |
|---|---|
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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.
| 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. This card has higher than average regular APRs.City National Bank World and Preferred Points Card 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.
| 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?
| 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:
| 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 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.
How do people rate the customer service and user experience of City National Bank World and Preferred Points Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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.
Contact
- Headquarters
-
201 Connally Street
Sulphur Springs, TX 75482 - Visit Site
- Email Support
Other Services by City National Bank of Texas
Availability
- 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 |
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