City National Bank World and Preferred Points Card Review

City National Bank World and Preferred Points Card 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 is everything you need to know 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 stand a chance of qualifying if your credit score is not below 650.

The Good	The Bad
Has an introductory APR rate on balance transfers of 2.90%. No balance transfer fee. No annual fee. 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%.

Is there a City National Bank World and Preferred Points Card cash back or rewards program?

City National Bank World and Preferred Points Card offers a rewards program to its customers.

City National Bank World and Preferred Points Card Rewards

Minimum rewards rate	1x
Max rewards rate	N/A
Annual rewards limit	N/A

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

City National Bank World and Preferred Points Card provides the following benefits:

• ID Theft Protection
• 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. City National Bank World and Preferred Points Card has higher than average purchase 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.

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

The following fees apply to City National Bank World and Preferred Points Card:

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

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.