Crystal Visa Infinite Credit Card Agreement 65903E

On the record for Crystal Visa Infinite Credit Card Agreement 65903E: a purchase APR of 20%–24% and a $400 annual fee, filed by City National Bank. The purchase rate sits at roughly the 58th 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. The filing runs 12 pages, and It is issued on the Visa network.

Terms captured from the document include 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.

The purchase APR against the corpus

Purchases price between 20% and 24% under this filing. The 4-point gap between the two is material, and nothing in the agreement indicates where a given account would land.

Read against the index, the low end ranks around the 61st percentile and the high end around the 58th — 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.

The arithmetic of revolving

The purchase rate turns a $3,000 revolving balance into roughly $813 of annual interest.

Against the corpus median of 21.99%, that is approximately $76 a year of extra interest on the same $3,000.

Note the $0.70 minimum interest charge, which overrides the arithmetic above whenever the calculated interest falls below it.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

The fee structure

Holding the card costs $400 a year before any transaction takes place — about the 99th percentile among agreements in this index that state a fee.

One way to size that fee: at the card's own purchase rate of 24%, $400 is roughly the interest a balance of about $1,667 would generate in a year. The fee is a fixed cost that behaves like perpetual interest on that much debt.

For cash advances the filing discloses a cash advance fee of $5 or 3% of the advance, whichever is greater. The two halves of that fee cross at about $167: below it the flat $5 applies, above it the percentage does.

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. Shifting $7,500 across attracts something like $225 in fees on day one.

Foreign transactions carry no fee. Only about 22% of the filings here that disclose a foreign transaction fee set it at zero, so this is a genuine point of difference.

What a missed payment costs

On the fee side, a late payment can cost up to $15, which is around the 11th percentile here.

The no-interest path

25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. That matches the 25-day median across the corpus almost exactly.

A minimum interest charge of $0.70 applies in any cycle where interest is due, which makes very small revolving balances disproportionately expensive.

The issuer's other agreements

City National Bank has 28 agreements indexed on this site. Across that lineup purchase rates span 19% to 27.25%; this filing's 24% sits above 16 of the comparable ones.

Among the issuer's other filings that disclose a fee, 23 of 26 come in below this card's $400.

What you cannot learn from the filing

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

An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.

Go to the source

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

24% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. Note that the $400 annual fee falls due whether the card is used or not.