City National Bank World and Preferred Points Card

City National Bank World and Preferred Points Card Review

This is a rewards 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.

Key Takeaways

• Competitive APRs. City National Bank World and Preferred Points Card has a variable purchase APR that ranges from 2.90% up to 12.49%.
• 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.
• 3% Balance transfer fee. City National Bank World and Preferred Points 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 $10.
• 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

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.

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?

City National Bank World and Preferred Points Card has a variable purchase APR that ranges from 2.90% up to 12.49%. 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:

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 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.