City National Cash Back
City National Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of City National Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The City National Cash Back from City National Bank earns up to 1.5% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 1.5%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 1.5% back.
What does the City National Cash Back earn in each category?
Dining is the strongest category at 1.5% effective value (1.5% back). That dining rate ranks higher than about 35% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how City National Cash Back compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1.5% effective value (1.5% back). That dining rate ranks higher than about 35% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how City National Cash Back compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1.5% back | 1.5% Top category |
| Grocery Supermarkets and grocery stores | 1.5% back | 1.5% |
| Gas Gas stations and fuel | 1.5% back | 1.5% |
| Travel Flights, hotels, transit | 1.5% back | 1.5% |
| Other General everyday spend | 1.5% back | 1.5% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the City National Cash Back?
The City National Cash Back fits spenders who put meaningful volume in dining and can earn 1.5% back. Best for spenders who put meaningful volume in dining and can earn 1.5% back.
City National Cash Back fits spenders who put meaningful volume in dining and can earn 1.5% back. Madeen ranks its dining effective rate higher than about 35% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1.5% back.
Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 1.5% effective (1.5% back).
- No annual fee in our catalog snapshot.
Cons
- Charges $3 foreign transaction fees.
Does the City National Cash Back have an annual fee?
The City National Cash Back has an annual fee of $0 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
What benefits come with the City National Cash Back?
The City National Cash Back includes Booking.com, Car Rental with Audi on demand®, Car Rental with Avis® and Budget® in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Visa Signature Concierge
$150/yrwill assist you 24/7 with a wide range of services, from making restaurant and travel reservations, to helping you ?nd that special gift or hard-to-get entertainment tickets.
Visa Signature Concierge
$150/yrGet assistance with travel planning, entertainment tickets and more.
Global Entry Statement Credit
$120/yrApply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Priority Pass airport lounge access
$99/yrEnjoy access to over 1,700 airport lounges and experiences around the globe.
Car Rental with Audi on demand®
$25/yrDrive away with a rental from Audi on demand. Save up to 15% (with a guaranteed minimum discount of 10%) on qualified rentals with your Visa Signature Card. Exclusions and conditions may apply, see Terms at audiondemand.com/partners/vsignature.
Car Rental with Avis® and Budget®
$25/yrBook your next road trip with your Visa Signature Card to receive up to 25% off base rates on qualifying rentals. and unlock complimentary upgrades (when available), waived Additional Driver Fee and 10% saving on XM Satellite radio during rental.
Visa Signature Luxury Hotel Collection
$10/yrEnjoy premium bene?ts at a selection of the world's most intriguing and prestigious properties when you book through the Visa Signature Luxury Hotel Collection at VisaSignatureHotels.com.
Golf Benefits from Troon Rewards®
$10/yrEnjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
Stay connected in over 175 countries
$10/yrEligible Visa cardholders can now use the GigSky app to access complimentary or discounted global mobile data, in 175+ countries and destinations worldwide as well as on over 200 of the world’s top cruise ships.
Related encyclopedia topics
- Cash Back
- Visa
- Shopping and dining network perks
- Credit score monitoring
- Global Entry / TSA PreCheck credit
- Golf Benefits from Troon Rewards
- Dining credit
- Priority Pass lounge access
- Roadside Dispatch
- Streaming or digital credit
- Stay connected in over 175 countries
- Travel and Emergency Assistance Services
Common questions about the City National Cash Back
Does the City National Cash Back have an annual fee?
The City National Cash Back carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the City National Cash Back?
Dining is the strongest Madeen category for the City National Cash Back at about 1.5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the City National Cash Back charge foreign transaction fees?
The City National Cash Back charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What credit score do you need for the City National Cash Back?
Madeen's catalog lists a typical credit range of Good to Excellent for the City National Cash Back. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the City National Cash Back?
Rewards on the City National Cash Back post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How do I maximize rewards on the City National Cash Back?
Dining is the strongest Madeen category for the City National Cash Back at about 1.5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
How does the City National Cash Back compare to similar cards?
Compare the City National Cash Back against City National Bank Visa Everyday Rewards+ (4% on Dining, $0 fee); City National Bank Visa Business Cash Preferred (3% on Dining, $0 fee); City National Crystal Visa Infinite (3% on Dining, $400 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
City National Cash Back This card | Dining | 1.5% | $0 |
City National Bank | Dining | 4% | $0 |
City National Bank | Dining | 3% | $0 |
City National Bank | Dining | 3% | $400 |
City National Bank | Dining | 2% | $390 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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City National Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of City National Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure