PERSONAL BANKING | LOANS & CREDIT | CREDIT CARDS

City National Now Credit Card

Overview
Benefits & Rewards
Protection & Security
Rates & Fees

Convenience in a Card

Easily manage expenses and earn Points* with no annual fee.^‡

Convenience

Use wherever Visa® is accepted. Build credit and manage spending from the convenience of your mobile device.

Rewards

Use City National Rewards® Points for travel, statement credits, charities & more.*

No Annual Fee

Spend and earn Rewards Points with no annual fee.^‡

Benefits & Rewards

1 Point for Every $1 Spent*
Enjoy automatic enrollment in City National Rewards and earn one Point for every $1 spent on purchases.

Accelerated Rewards*
Combine Points from all of your City National business and personal credit cards that come with City National Rewards to earn premium Awards more quickly.

No Cap on Rewards Points*
There’s no cap on Points, and your Points do not expire as long as your account remains open and the Rewards Program has not ended.

Redeem Points for Travel, Statement Credits & More*
Built with clients like you in mind, our program lets you select Awards that suit your idea of the good life — however you deﬁne it.

Air Travel Flexibility*
Use Rewards Points to purchase airline tickets on most national and international carriers anytime, with no blackout dates.

Preferred Seating
Get access to some of the best seats in the house. City National Bank preferred seating is available across live entertainment events at the Beacon Theatre in New York City.³

Protection & Security

Visa Zero Liability¹
For no additional cost, Visa's Zero Liability may protect you from liability for fraud and theft. Notify us immediately if you notice an unauthorized transaction or if your card is lost or stolen.

ID Navigator Powered by NortonLifeLock™^†No one can prevent all identity theft, so staying informed and knowing what to do when your identity is threatened can give you greater peace of mind. ID Navigator Powered by NortonLifeLock helps provide you with tools so you can act quickly.

Card Alerts
Keep your Visa Card safer with City National Card Alerts. Receive timely updates on your credit card activity through text messages or by email.

Chip Technology
Also called EMV technology, this chip adds an extra level of security to your in-person transactions made at chip-enabled terminals by using dynamic encryption technology, making it more diﬃcult for your card information to be duplicated or copied.

Family Card Functionality
Establish and manage individual spending limits and monitor transaction activity for each authorized user card issued under your account.

Contactless Payments
Check out quickly and securely with your contactless card. Tap your card to pay at a contactless-enabled checkout terminal, and your payment is processed in seconds.

Apple Pay® and Google Pay™²
Use your Visa Card with Apple Pay and Google Pay for added speed, security and convenience when making purchases in-store, in-app and online.

Additional Protection and Security Beneﬁts^†

Personal Identity Theft Protection
Purchase Security
Extended Warranty Protection
Auto Rental Collision Damage Waiver
Hotel Theft Protection
Roadside Dispatch
Lost Luggage Reimbursement
Travel and Emergency Assistance Services

Rates

APR for Purchases and Balance Transfers

23.25% or 27.25%

variable APR‡

APR for Cash Advances

29.25% variable APR^‡

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $0.70.

Fees

Annual Fee

None^‡

Balance Transfer Fee

Either $5 or 3% of the amount of each cash advance, whichever is greater.^‡

Cash Advance Fee

Either $5 or 3% of the amount of each cash advance, whichever is greater.^‡

Foreign Transaction Fee

3% of the U.S. dollar amount of each transaction.^‡

Penalty Fees

Late Payment Fee up to $15.^‡ Returned Payment Fee up to $20.^‡

Credit Card Agreement

Click here to view the City National Now and Visa Platinum Credit Card Agreement.

Click here to view the City National Now and Visa Platinum Secured Credit Card Agreement.

Let's get started.

Supply us with your information and a dedicated Relationship Manager will help you apply.

^*Required information

Card Issued by City National Bank, Los Angeles, California.

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* All credit cards are subject to credit approval. Terms and conditions apply. See the City National Rewards Program Terms, Conditions and Program Rules for details.

† Beneﬁts are subject to change and cancellation at any time without notice. For more information about this beneﬁt, see the City National Now and Visa Platinum with Rewards Guide to Beneﬁts.

‡ Additional fees and charges apply. See Pricing Information for details.

1. Visa's Zero Liability coverage applies when you have not been negligent or fraudulent in handling your account or card and you advise us promptly of an unauthorized transaction. We also provide protections in the event of unauthorized use, consistent with applicable law.

2. Apple Pay and Google Pay are available for in-store, in-app and online purchases on Apple Pay- and Google Pay-equipped devices, respectively, at participating merchants. Data rates and fees may apply. Apple Pay is a registered trademark of Apple Inc. Google Pay is a trademark of Google LLC.

3. City National Bank preferred seating is valid on select seats, subject to availability. Must purchase with a City National Bank credit or debit card. City National Bank Cardholders may purchase tickets via Ticketmaster or by visiting the box office at the Beacon Theatre. By attending the event, ticket holders assume all risks of attendance, and waive all related claims against City National Bank, MSG Beacon, LLC, their affiliates & employees. This waiver will be binding on all ticket transferees. All sales are final. Restrictions may apply.

The Norton and LifeLock Brands are part of NortonLifeLock Inc. LifeLock identity theft protection is not available in all countries. Copyright © 2024 NortonLifeLock Inc. All rights reserved. NortonLifeLock, the NortonLifeLock Logo, the Checkmark Logo, Norton, LifeLock, and the LockMan Logo are trademarks or registered trademarks of NortonLifeLock Inc. or its affiliates in the United States and other countries.

Visa, Visa Signature and Visa Inﬁnite are registered trademarks owned by Visa International Service Association and are used under license.

City National Rewards is a registered trademark owned by City National Bank.