Crystal Visa Infinite Credit Card Agreement 65903E

City National Bank's filed agreement for Crystal Visa Infinite Credit Card Agreement 65903E discloses a purchase APR of 19.25%–23.25% and a $400 annual fee. The purchase rate sits at roughly the 55th percentile of the 4,587 agreements indexed here.

What this filing discloses

The document behind this page is City National Bank's filed agreement for Crystal Visa Infinite Credit Card Agreement 65903E. It is issued on the Visa network and the filing runs 12 pages.

The disclosure covers a purchase rate, an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. No figure appears for a cash advance rate, a balance transfer rate and a penalty rate.

Where the purchase APR sits

The purchase APR is quoted as a range of 19.25% to 23.25%. That 4-point spread is the whole of what the filing commits to; the method for assigning a rate inside it is not in the document.

Read against the index, the low end ranks around the 59th percentile and the high end around the 55th — the band straddles a wide stretch of the market this corpus describes.

The agreement labels the purchase rate variable, so the quoted figure reflects the index at the time of filing rather than a locked-in price.

What a balance actually costs

At the disclosed purchase APR, $2,500 revolving for a full year costs something like $654 in interest.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $615. The gap — roughly $39 a year on $2,500 — is the price of this particular filing over a typical one.

Per statement cycle that is on the order of $48.22 on $2,500, which is the number that actually shows up on a bill.

Small balances do not get a proportionally small bill — the agreement imposes a $0.70 minimum interest charge in any month where interest applies.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

What the card costs before you borrow

$400 a year is the disclosed annual fee, which ranks near the 99th percentile of the fees filed across this corpus.

Cash advances carry a cash advance fee of $5 or 3% of the advance, whichever is greater.

A balance transfer costs $5 or 3% of the amount transferred, whichever is greater up front. The filing does not separately state the rate applied to transferred balances. Transferring $7,500 would cost roughly $225 at the door.

The foreign transaction fee is zero — a minority position in this corpus, where roughly 22% of disclosing filings waive it.

The downside terms

$15 is the disclosed ceiling on a late payment fee, placing it near the 11th percentile of the set.

Paying in full

The filing gives 25 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest.

Where interest applies at all, the filing bills at least $0.70. On a tiny balance that floor can dwarf the rate itself.

Against the rest of City National Bank's filings

There are 28 filings from City National Bank in this index. The issuer's own range is 19%–27.25%. At 23.25%, this agreement is dearer than 11 of its siblings.

What is outside the disclosure

Absent from the captured terms: penalty pricing. The original document is the place to look for any of these.

What this analysis can address is bounded by the filing: rates, fees and the terms around them. Everything a card issuer might advertise — rewards, benefits, bonuses, who qualifies — falls outside the document and outside this review.

Reading the agreement yourself

The filed PDF is linked from this page and runs 12 pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

At 23.25% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers. The $400 annual fee is charged regardless of use, so it is a cost that applies even to an account that never revolves.