World — City Bank (Lubbock, TX) is a personal credit card from City Bank (Lubbock, TX). The annual fee is $95 annual fee after first year. Signup bonus: One-time $500 cash back bonus when you spend $5,000 in the first 90 days. Rewards: 1% cash back for every $1 spent; 2% on gasoline; 3% on travel (airfare, hotel, car rental) and dining.