Visa Platinum With City National Rewards Credit Card Agreement 65872E

The Visa Platinum With City National Rewards Credit Card Agreement 65872E filing from City National Bank sets out a purchase APR of 22%–26% and no annual fee. That purchase rate ranks near the 63rd percentile across this corpus of 4,587 filings.

What the document actually states

This page covers the agreement City National Bank filed for Visa Platinum With City National Rewards Credit Card Agreement 65872E. It is issued on the Visa network and the filing runs 12 pages.

On the record here: a purchase rate, a cash advance rate, an annual fee line, a late payment maximum and a foreign transaction fee. No figure appears for a balance transfer rate and a penalty rate.

The purchase APR against the corpus

Purchases price between 22% and 26% under this filing. The 4-point gap between the two is material, and nothing in the agreement indicates where a given account would land.

The floor of that band sits at about the 65th percentile of filed purchase rates; the ceiling sits at about the 63rd. In corpus terms the same card can be cheap or expensive depending on how it is priced.

Because the rate is variable, the figure quoted is tied to an index and will drift with it. Nothing here is a fixed commitment.

Translating the rate into money

The purchase rate turns a $2,500 revolving balance into roughly $742 of annual interest.

A card priced at the corpus median of 21.99% would charge roughly $615 on that balance. This one charges about $127 more per year.

Month to month it reads as about $53.98 per cycle on that balance.

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.

Fees, and what triggers them

The annual fee is $0. Roughly 75% of filings here that state a fee state zero, so the absence of one is unremarkable in this market.

Cash advances carry a cash advance fee of $5 or 3% of the advance, whichever is greater and a cash advance APR of 28%. Cash is therefore 2 points dearer than buying something with the card. $167 is the crossover point where the percentage overtakes the $5 minimum.

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. On $2,000 that fee is about $60 before any interest is charged.

Foreign transactions attract 3%. On $5,000 of overseas spending that is $150, charged on top of whatever exchange rate applies.

That is at the high end of this corpus — around the 91st percentile of disclosed foreign transaction fees.

When a payment is late

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

Paying in full

Anyone clearing the statement balance inside 25 days pays no purchase interest at all under this filing. 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.

Against the rest of City National Bank's filings

28 separate City National Bank filings appear in the corpus. The issuer's own range is 19%–27.25%. At 26%, this agreement is dearer than 21 of its siblings.

What the filing does not tell you

This page cannot tell you penalty pricing, because the filing's disclosure table as read does not contain it.

More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.

Where the authority sits

The original filing, 12 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

In short

The pricing here is middling by the standards of the index — 26% on purchases is near enough to typical. Because there is no annual fee, everything depends on the revolving behaviour: used as a payment instrument and cleared monthly, this agreement costs nothing.