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Consumer Credit Card City Bank Rewards Low Rate

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View your account balance, statements, rewards, and more.


Important Note Please ReadWhen logging in for the first time, click "Create New User Name" and enter your personal identifiable information. Remember your username and password as you will need to enter that when logging in to view your credit card account within citybankonline.com for the first time after creation. 

City Bank Customers

If you are an existing City Bank Online Banking user, log in to your Online Banking account using the login above and click the “Credit Card” tab.

Non-customers

If you are not a City Bank Online Banking user, log in by clicking the button below.


Non-customer Login

Questions

Contact City Bank Customer Service at
(800) 687-2265 or Card Member Services at
(877) 768-1355.

Introducing a line of feature-packed, low-APR credit cards designed to give you convenient purchasing power backed by the local, award-winning customer service only City Bank can deliver. From robust rewards to lower APRs for those who revolve credit, one of our credit cards will be the perfect fit. 


Apply Now

for a personal City Bank Credit Card
Terms and Conditions

City Bank Credit Card Platinum

MasterCard® Platinum

Terms and Conditions

  • Introductory offer of 0% APR on purchases and balance transfers for 6 months. After that, the variable APR will be 9.99% to 17.99% APR based on creditworthiness. Terms and Conditions
  • Great option for consolidating debt to pay down your balances on other credit cards faster or to save on interest
  • Our lowest APR card allows you to carry a balance each month and enjoy a low monthly payment
City Bank Credit Card Platinum Rewards

MasterCard® Platinum Rewards

Terms and Conditions

  • Earn 1 reward point for every dollar spent on your credit card
  • Redeem reward points in a variety of categories
  • Your card earns a one-time bonus of 5,000 points once you spend $1,000 on purchases within the first 3 months1
City Bank Credit Card World

MasterCard® World

Terms and Conditions

  • Earn double points for every dollar spent on airfare, hotel, car rental and dining, PLUS 1 reward point per dollar for all other purchases2
  • Premium concierge services3
  • Your card earns 10,000 bonus points after making $3,000 in purchases within the first 3 months1
Rewards-Hero

Big reward options for everyday spenders.

Looking for more information about rewards or how to redeem your rewards? Learn more by clicking the link below. 


Learn More
 

Additional Features & Benefits


City Bank MasterCard logoCity Bank MasterCard Credit Cards have some added benefits worth noting. With great features and benefits, customers can turn good deals into great ones by adding value to purchases large and small with convenience, protection and more. Welcome to a faster, safer, more convenient way to pay.


Extended Warranty Insurance*

Doubles the time period and duplicates the coverage of the original manufacturer's or U.S. store brand warranty for a maximum of one year.

Price Protection*

If you find a lower price within 60 days of purchase Price Protection guarantees you the best price on products purchased with an eligible card by refunding the difference.

MasterCard ID Theft Protection™*

MasterCard is the only payment brand that provides its U.S. cardholders with services - at no extra cost - to help you detect and resolve identity theft.

  • Expert Resolution Services. Expert assistance is available to help you 24/7 if you think your identity has been stolen. Call 1-800-MasterCard and you will be assigned a personal certified specialist who will guide you through the process every step of the way.
  • ID Theft Alerts™. This service tracks thousands of websites to identify if your personal information is being bought or sold online. Register now.
  • Emergency Wallet Replacement. Experts assist you in quickly canceling and re-ordering the contents of your physical wallet such as your driver's license, among other items. Call 1-800-MasterCard if you have lost your wallet and would like assistance.

MasterRental™*

Pays for covered damages to the rental vehicle when the eligible MasterCard card is used to initiate and pay for the entire rental transaction.

 


Platinum Card Guide to Benefits


World Card Guide to Benefits

To take advantage of any of these features or file a claim, simply call 1-800-MASTERCARD.

Purchase on the go with Apple Pay

Apple Pay LogoPaying with your City Bank MasterCard credit card in stores or within apps has never been easier. Our credit cards are supported by Apple Pay, the mobile payment and digital wallet service by Apple® that lets users make payments using comaptible iPhones, Apple Watch, and certain iPads.

Learn more about using Apple Pay →


Apple Pay Apple Wallet City-Bank Consumer

Also available for
1472150759246
Application Terms
Consumer Platinum Consumer Platinum Rewards Consumer World (Rewards)
Annual Fee ($) None None None
Intro Offer 0% Intro APR on Purchases and Balance Transfers for 6 months. Then a variable rate, currently 9.99% - 17.99% applies, based on creditworthiness.
Terms and Conditions
5,000 bonus points upon $1,000 spend in first 3 months.
Terms and Conditions
10,000 bonus points upon $3,000 spend in first 3 months.
Terms and Conditions
Additional Bonus None None Earn double points for every dollar spent on airfare, hotel, car rental and dining, PLUS 1 reward point per dollar for all other purchases2
None None Preferential savings, rewards, benefits and perks
Features
Lowest Interest Rate
24/7 Customer Service
Dedicated Account Manager
Multiple payment options, including automatic debit, online banking, in a branch or by mail
Accumulate 1 point with every $1 spent
Price Protection
Identity Theft Resolution
Extended Warranty
MasterRental Coverage
MasterCard Global Service
Purchase Assurance
Concierge Services
MasterAssist (Travel, Medical Assistance, Emergency)
Travel Insurance (travel accident and baggage delay)
MasterCoverage (liability protection program- not included in cardholder materials)
Consolidated or individual billing statements
Reporting functionality
Purchases: Go To Rate(s): Variable Prime + 5.74% to Prime + 13.74% (Based on credit score) Prime + 9.74% to Prime + 15.74% (Based on credit score) Prime + 9.74% to Prime + 15.74% (Based on credit score)
Cash: Go To Rate(s) 21.00% Fixed 21.00% Fixed 21.00% Fixed
Penalty Rate None None None
BT Fee (%) 3% 3% 3%
BT Fee (Min $) $10 $10 $10
BT Fee (Max $) None None None
Cash Advance Fee (%) 4% 4% 4%
Cash Advance Fee (Min $) $10 $10 $10
Cash Advance Fee (Max $) None None None
Late Fee ($) $25 for first occurrence in a six-month period; $35 for additional occurences; not to exceed more than min pay amount; do not charge if balance less than $100 $25 for first occurrence in a six-month period; $35 for additional occurences; not to exceed more than min pay amount; do not charge if balance less than $100 $25 for first occurrence in a six-month period; $35 for additional occurences; not to exceed more than min pay amount; do not charge if balance less than $100
Return Payment Fee ($) $25 for first occurrence in a six-month period; $35 for additional occurences; not to exceed more than min pay amount; do not charge if balance less than $100; do not charge if returned payment results in late fee $25 for first occurrence in a six-month period; $35 for additional occurences; not to exceed more than min pay amount; do not charge if balance less than $100; do not charge if returned payment results in late fee $25 for first occurrence in a six-month period; $35 for additional occurences; not to exceed more than min pay amount; do not charge if balance less than $100; do not charge if returned payment results in late fee
Overlimit Fee ($) None None None
Minimum Interest Charge ($) $1.00 $1.00 $1.00

Apply now for your low APR personal credit card.

Start earning robust rewards and take advantage of a low APR personal credit card today. It's perfect plastic backed by impeccable customer service. 

Apply Now

Questions about your credit card? Contact City Bank Customer Service at (800) 687-2265 or Card Member Services at (877) 768-1355.

Subject to Credit Approval. Ask for details.

1Upon approval, a letter will be mailed acknowledging your new account. The Rewards Bonus period begins on the date of the new account letter and ends 90 days later. For details on the Rewards Program, please visit citybankonline/myapexcard.com/apply and select Rewards Terms and Conditions. Reward options are subject to change without notice. 2We group similar merchant category codes into Purchase Categories that are used to calculate the stated reward points. We make every effort to include all relevant merchant category codes in the listed Purchase Categories. However, even though a merchant or the items that it sells may appear to fit within a Purchase Category, the merchant may not provide us with the merchant code that will fall within that Purchase Category. Because of this, we cannot guarantee that a purchase will qualify for more than the standard 1 (one) rewards points as any purchase where a merchant uses a category code outside of the eligible Purchase Category does not qualify for additional rewards points.  3Certain terms, conditions, and exclusions apply. Please consult your Guide to Benefits for specific benefit configuration.

MasterCard® is a registered trademark of MasterCard International Incorporated. *The descriptions of the listed benefits and enhancements are summaries only. Certain terms, conditions and exclusions apply. The information is provided on an “AS IS” basis and for informational purposes. It is not a specific recommendation for any particular action or investment and should not be relied upon in whole or in part as the basis for decision making or other purposes.