Now CardCity National Bank · N bank, CA · FDIC 17281

CurrentLast observed Oct 14, 2026Source date Oct 14, 2026Official issuerCredit card · ConsumerFiled as “City National Now Card”

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Purchase APR

22.75%–26.75%

variable

Balance transfer

22.75%–26.75%

variable

Cash advance APR

28.75%

variable

Annual fee

Spend and earn Rewards Points with no annual fee.

a year

Foreign fee

of the amount

Grace period

—

Visa-Platinum-With-City-National-Rewards-Credit-Card-Agreement-65872Epage 1 of 12

Visa ® Platinum Credit Card (With City National Rewards ® ) and City National Now Card

PRICING INFORMATION

(As of September 30 , 202 2 )

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases and Balance Transfers · 2 2.00 % or 2 6.00 % when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate. APR for Cash Advances · 2 8.00 % This APR will vary with the market based on the Prime Rate. Paying Interest · Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases and balance transfers if you pay your entire balance by the due date each month. Wewill begin charging interest on cash advances on the transaction date. Minimum Interest Charge · If you are charged interest, the charge will be no less than $0.70. For Credit Card Tips from the Consumer Financial Protection Bureau · To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees Annual Fee · None Transaction Fees • Balance Transfer • Cash Advance • Foreign Transaction · Either $5 or 3% of the amount of each balance transfer, whichever is greater. Either $5 or 3% of the amount of each cash advance, whichever is greater. 3% of the U.S. dollar amount of each transaction. Penalty Fees • Late Payment • · Up to $15 Up to $20 Returned Payment

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your account agreement for more details.

Billing Rights : Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Margins: We add a margin of either 15.75% or 19.75% to the Prime Rate to determine the APR for Purchases and Balance Transfers, based on your creditworthiness. We add a margin of 21.75% to the Prime Rate to determine the APR for Cash Advances.

Monthly Periodic Rates : The Monthly Periodic Rate (MPR) is equal to the applicable APR divided by 12. Th e MPR for Purchases and Balance Transfers is either 1.83333% or 2.16666%, based on a corresponding APR for Purchases and Balance Transfers of either 22.00% or 26.00%, respectively. The Monthly Periodic Rate for Cash Advances is 2. 3333 3 %.

1 2 3 4 5 6 7 8 9 10 11 12No page of this document is cited by this card

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

City National Bank
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:d54eea27efe64197ce27a61851c73a9906a3eb4e67c6ed325bf2fe280d1a7a68
“22.75% or 26.75%”
Open source link ↗
City National Bank
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:d54eea27efe64197ce27a61851c73a9906a3eb4e67c6ed325bf2fe280d1a7a68
“28.75% variable APR”
Open source link ↗
City National Bank
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:d54eea27efe64197ce27a61851c73a9906a3eb4e67c6ed325bf2fe280d1a7a68
“Spend and earn Rewards Points with no annual fee.”
Open source link ↗
City National Bank
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:d54eea27efe64197ce27a61851c73a9906a3eb4e67c6ed325bf2fe280d1a7a68
“Either $5 or 3% of the amount of each cash advance, whichever is greater.”
Open source link ↗
City National Bank
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:d54eea27efe64197ce27a61851c73a9906a3eb4e67c6ed325bf2fe280d1a7a68
“3% of the U.S. dollar amount of each transaction.”
Open source link ↗
City National Bank
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:d54eea27efe64197ce27a61851c73a9906a3eb4e67c6ed325bf2fe280d1a7a68
“Enjoy automatic enrollment in City National Rewards and earn one Point for every $1 spent on purchases.”
Open source link ↗
City National Bank
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:d54eea27efe64197ce27a61851c73a9906a3eb4e67c6ed325bf2fe280d1a7a68
“There’s no cap on Points, and your Points do not expire as long as your account remains open and the Rewards Program has not ended.”
Open source link ↗

History

dates on sources or when they were captured

Oct 14, 2026: Annual fee, Balance transfer APR, Cash advance APR, Cash advance fee, Foreign transaction fee, Purchase APR, Rewards

Offered through: City National Bank
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 17281
Branches: 71 in CA, DC, FL, GA, NV, NY, TN, VA
Sources: Official issuer · 3 documents · 0 pages cited

Documents

Visa-Platinum-With-City-National-Rewards-Credit-Card-Agreement-65872Eeffective date not parsedName declaration: City National Now Card · page 1
Visa-Platinum-With-City-National-Rewards-Credit-Card-Agreement-65872Eeffective date not parsedName declaration: City National Now Card · page 1
Visa-Platinum-With-City-National-Rewards-Credit-Card-Agreement-65872Eeffective date not parsedName declaration: City National Now Card · page 1

Term	Value	As printed in the source	Source
APR for purchases	22.75%–26.75% variableCity National Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“22.75% or 26.75%”City National Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
APR for balance transfers	22.75%–26.75% variableCity National Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“22.75% or 26.75%”City National Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
APR for cash advances	28.75% variableCity National Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“28.75% variable APR”City National Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	Spend and earn Rewards Points with no annual fee.City National Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“Spend and earn Rewards Points with no annual fee.”City National Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Transaction fees
Cash advance	3% of the amount, minimum $5, Either $5 or 3% of the amount of each cash advance, whichever is greater.City National Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“Either $5 or 3% of the amount of each cash advance, whichever is greater.”City National Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Balance transfer	—	no source read
Foreign transaction	3% of the amount, 3% of the U.S. dollar amount of each transaction.City National Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“3% of the U.S. dollar amount of each transaction.”City National Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read
APR qualificationsBalance transfer · Regular; Purchase · Regular	22.75% or 26.75%City National Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“22.75% or 26.75%”City National Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
APR qualificationsCash advance · Regular	28.75% variable APRCity National Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“28.75% variable APR”City National Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Enjoy automatic enrollment in City National Rewards and earn one Point for every $1 spent on purchases.Not disclosed	1 point per $1. See source conditions for eligible purchases.City National Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“Enjoy automatic enrollment in City National Rewards and earn one Point for every $1 spent on purchases.”City National Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Rewards conditionsEnjoy automatic enrollment in City National Rewards and earn one Point for every $1 spent on purchases.	Point posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. Enjoy automatic enrollment in City National Rewards and earn one Point for every $1 spent on purchases.City National Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“Enjoy automatic enrollment in City National Rewards and earn one Point for every $1 spent on purchases.”City National Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Rewards source conditionsEnjoy automatic enrollment in City National Rewards and earn one Point for every $1 spent on purchases.	There’s no cap on Points, and your Points do not expire as long as your account remains open and the Rewards Program has not ended.City National Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“There’s no cap on Points, and your Points do not expire as long as your account remains open and the Rewards Program has not ended.”City National Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website

Now CardCity National Bank · N bank, CA · FDIC 17281

Rates and fees