City National Bank

28 cardholder agreements · 69.2 MB

Fair Terms · grade A (92/100)

1 contract red flag across 28 filed docs · see how every issuer ranks →

Why this grade

Starting score100
Change-anytime clause-8
Fair Terms score92 · grade A

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Contract X-Ray — what's buried in the fine print

1 red flag · 28 filed docs

Detected in the CFPB-filed cardholder agreements from City National Bank. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.

Change-anytime clause

The issuer reserves the right to change your rates, fees and terms at any time.

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“…or obtain any Cash Advances, on the Account after the Account has been cancelled, or your credit privileges on the Account have been suspended by us. CHANGES TO THIS AGREEMENT We may add to, delete or change any of the terms of this Agreement at any time, subject to applicable law. This includes, but is not limited to, changing the MPRs, the APRs, and the method of calculating interest, fees, charges…”

Cash-Back-Visa-Signature-Credit-Card-Agreement-65908E ↗

Checked & clear: Forced arbitration · Class-action waiver · Jury-trial waiver · Deferred interest · Penalty APR

Cardholder agreements

Filed with the CFPB in the 2026 Q1 bulk submission. Opens the original PDF.