Visa Platinum Card
Interest Rates and Visa Platinum without City National Visa Platinum with City National
Interest Charges Rewards Rewards
Annual Percentage Rate 12.00% 15.00%
(APR) for Purchases
APR for Cash Advances 15.00% 16.00% to 18.00%, rate will depend on
the state in which the credit card
account is domiciled.*
How to Avoid Paying Your due date is at least 25 days after the close of each billing cycle. We will not
Interest on Purchases 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.
For Credit Card Tips from To learn more about factors to consider when applying for or using a credit
the Consumer Financial card, visit the website of the Consumer Financial Protection Bureau at
Protection Bureau http://www.consumerfinance.gov/learnmore.
Annual Fee None
Cash Advance Either $5 or 3% of the amount of each cash advance, whichever is greater.
Foreign Transaction Either $2 or 3% of U.S. dollar amount of each transaction, whichever is greater.
None for credit card accounts domiciled in the bank’s New York office.
Late Payment Up to $15
Returned Payment Up to $20
How We Will Calculate Your Balance: We use a method called “average daily balance (including new
* For accounts domiciled in our Georgia office, the APR for Cash Advances is 16.00%. In all other states, the
APR for Cash Advances is 18.00%.
New York Residents: New York residents may contact the New York State Banking Department to obtain a
comparative list of credit card rates, fees, and grace periods by calling 1-800-518-8866.