6.75
Visa ® Platinum Secured Credit Card (With City National Rewards ® ) and City National Now Secured Card
PRICING INFORMATION
(As of December 31, 2025)
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases and Balance Transfers · 22.50% or 26.50% 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 · 28.50% 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. We will 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 • Returned Payment · Up to $15 Up to $20
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. The MPR for Purchases and Balance Transfers is either 1.875% or 2.20833%, based on a corresponding APR For Purchases and Balance Transfers of either 22.50% or 26.50%, respectively. The Monthly Periodic Rate for Cash Advances is 2.375%.
