Visa Platinum Secured With City National Rewards Credit Card Agreement 65871E

The Visa Platinum Secured With City National Rewards Credit Card Agreement 65871E filing from City National Bank sets out a purchase APR of 21.25%–25.25% and no annual fee. Against the 4,587 filings on this site, that rate lands around the 61st percentile.

What this filing discloses

Visa Platinum Secured With City National Rewards Credit Card Agreement 65871E is one of the agreements City National Bank has on file with the CFPB. The filing runs 12 pages, and It is issued on the Visa network.

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

Collateral and the deposit

This is a secured agreement — the credit line is collateralised by a deposit. The disclosure table captured on this page covers pricing only; the mechanics of the deposit live in the body of the document.

It is worth noting that collateral does not automatically mean a cheap rate: at 25.25%, this filing's purchase APR still sits at about the 61st percentile of the whole corpus, secured and unsecured filings alike.

How the purchase rate compares

Rather than a single purchase rate, the document gives a band — 21.25% at the bottom, 25.25% at the top, 4 points wide. The agreement discloses the range without disclosing how an account is placed within it.

Those two numbers occupy very different places in the corpus: roughly the 63rd percentile at the bottom and the 61st at the top.

The filing marks this rate as variable, which means it moves with the index the agreement names rather than staying where it is quoted today.

What a balance actually costs

A $5,000 balance left untouched for twelve months accrues about $1,436 in interest at this purchase rate.

A card priced at the corpus median of 21.99% would charge roughly $1,229 on that balance. This one charges about $206 more per year.

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

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 3% and a cash advance APR of 27.25%. That is 2 points above the purchase rate. The grace period described below generally does not extend to cash advances, so interest on them usually begins immediately.

Transfers are charged $5 or 3% of the amount transferred, whichever is greater, though no distinct transfer APR appears in the document. Transferring $1,000 would cost roughly $30 at the door.

What a missed payment costs

Late payments are capped at $15 under this filing, about the 11th percentile of late fee maximums in the corpus.

The no-interest path

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.

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

The limits of this document

This page cannot tell you a foreign transaction fee and penalty pricing, because the filing's disclosure table as read does not contain them.

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

Inside City National Bank's filed lineup

This is one of 28 City National Bank agreements collected here. Across that lineup purchase rates span 19% to 27.25%; this filing's 25.25% sits above 18 of the comparable ones.

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

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 — 25.25% on purchases is near enough to typical.