Cash Back Visa Signature Credit Card Agreement 65908E

The Cash Back Visa Signature Credit Card Agreement 65908E filing from City National Bank sets out a purchase APR of 18%–22% and no annual fee. Against the 4,587 filings on this site, that rate lands around the 50th percentile.

What this filing discloses

City National Bank submitted the terms for Cash Back Visa Signature Credit Card Agreement 65908E to the CFPB's agreement database; this is what they contain. The filing runs 12 pages, and It is issued on the Visa network.

The disclosure covers a purchase rate, an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. It is silent on a cash advance rate, a balance transfer rate and a penalty rate.

The purchase rate in context

Rather than a single purchase rate, the document gives a band — 18% at the bottom, 22% at the top, 4 points wide. The agreement discloses the range without disclosing how an account is placed within it.

The floor of that band sits at about the 54th percentile of filed purchase rates; the ceiling sits at about the 50th. 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

Carry $1,200 on this card for a year without paying it down and the purchase rate alone generates roughly $295 in interest.

With the corpus median at 21.99%, the cost is effectively indistinguishable from the typical agreement here.

There is also a floor: the filing sets a minimum interest charge of $0.70, so any cycle that accrues less than that is billed at $0.70 anyway.

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

There is no annual fee. That is the common case in this corpus — about 75% of the filings that disclose an annual fee at all disclose it as $0 — so it is a baseline expectation rather than a distinguishing feature.

Cash advances carry a cash advance fee of $5 or 3% of the advance, whichever is greater. $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 $3,000 that fee is about $90 before any interest is charged.

Foreign transactions attract 3%. On $1,000 of overseas spending that is $30, 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.

The grace period

The filing gives 25 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. That matches the 25-day median across the corpus almost exactly.

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

What a missed payment costs

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

The issuer's other agreements

This is one of 28 City National Bank agreements collected here. The issuer's own range is 19%–27.25%. At 22%, this agreement is dearer than 6 of its siblings.

On fees, 22 of the 26 sibling filings that disclose an annual fee also set it at zero — this one is among them.

What you cannot learn from the filing

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.

Go to the source

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 — 22% 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.