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City National Bank Crystal Visa Infinite (USA); NY GA TN NV CA MA DC & MN

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Old Nov 6, 2015, 11:03 pm
FlyerTalk Forums Expert How-Tos and Guides
Last edit by: mia
Current welcome offer is 50,000 30,000 Crystal points with $5,000 $3,000 spending in the first 90 days. First annual fee not waived. (as of telephone call with bank employee 8/7/2019)

Past bonuses were:

***** #1502 - signup bonus 1/16/18 BUT ANNUAL FEE NOT WAIVED ******

100,000 points after spending $5,000 in first three months. Offer expires 30 December 2015. EXPIRED

A 70,000 points offer was offered back in March 2017 and expired March 31st, 2017. EXPIRED

The requirements for the application process varies from bank to bank based on various online data points collected from FlyerTalk, Doctor of Credit, etc.

Some banks require that you go into a branch and apply personally. Other banks want you to have another account open for 90 days before you can get this card. Some banks (if you already have a relationship with them) let you apply via mail. Sometimes you have to be a resident of the state they operate in, while some were able to get the card without living in those states. It is very much YMMV. You will need proof of income (W2, check stubs, etc). The only states City National Bank operates in are: NY, DE (only trust office, no go), DC, GA, TN, MN, NV & CA. The bank is looking for high net worth individuals, but that's not exactly consistent either.

The card has no foreign transactions fees and is fee-free the first year, then $400 annually.

Register your card for online access (cno.cnb.com). This changed on Sept 19 2019.
Register separately for the award page (www.cnbrewards.com).
Register for Visa Infinite info and access at https://myvisainfinite.com/cnb/en_us/home.html
Click "my info" to see details on points awarded.
Best* redemption found to date is $1,000 prepaid visa for 105K pts. It's now 125K pts for a $1,000 prepaid visa. Link to catalog
*(other than spending for flights etc. & getting 1.2 cents each in value)

To set-up spending alerts, create an account here : http://citynationalbank.digitalcardservice.com

Point redemptions for flights have been reported as being as high as 1.35cpp (see here) by calling the Concierge service at +1 800 595 8950 and having them book direct from airline website for you

Significant benefits:

$250 per calendar year airline incidental credit - works on AU card as well - STARTING JAN 1ST, 2020 THE CREDIT WILL BE $350 PER ACCOUNT
$100 Global Entry fee credit - works on AU card as well Per DDResq post 842
Priority Pass lounge membership for up to 2 people. No fee for any number of guests, but lounge policy may limit the number of guests admitted.- STARTING JAN 1ST, 2020 EACH ADDITIONAL GUEST BEYOND ACCOUNT HOLDER WILL BE CHARGED $32
12 GoGo inflight passes - create an account at myvisainfinite.com/cnb. Once the account is created, you enter, then search for GoGo passes. You then input your card number again, create a GoGo account if you don't have one, and the 12 passes post to it ready to be used when you fly again on a participating airline. - works on AU card as well
$100 off when you book a qualifying airline itinerary via visa discount air portal (https://www.visadiscountair.com/CNB/default.aspx - STARTING JAN 1ST, 2020 THIS WILL NO LONGER BE OFFERED AS A BENEFIT
$30 off GroundLink car service (works with AU cards as well) plus instant 15% off rides. There are $25 current user referrals to go for first.

Airline fees are reimbursed up to $250 per calendar year. Fees must be from domestic carriers. There is no need to declare a carrier, and fees can be reimbursed from multiple carriers. Partial Ts and Cs:

Qualifying Airline Purchases are defined as incidental airline fee transactions made at eligible US Domestic Airline Carriers and include: ticket change/cancellation fees, checked baggage fees, inflight entertainment, onboard food and beverage charges, airport lounge membership fees and day passes, onboard wireless charges (excluding Gogo Wireless), and TSA Pre✓® membership application fee.


What works
AA: Award Fees/Taxes, Award Redeposit Fees ($150)
AA: e-Gift cards $250 including AUs (1x per card max 4)
AS: Award ticket fees, $16
AS: In flight food, entertainment.
AS: Premium Class Upgrade, $59

HA: Interisland Flight, $48.80
UA: award ticket fees, $51
WN: Award Fees/Taxes, Award Redeposit Fees (limit unknown, but it's between $75 and $80 per transaction), Early Bird boarding fees ($15)
DL: Baggage fees
B6: $53.30 airfare

What doesn't work
AS: Award ticket fees, $130ish
DL: GC; PGGM (reports of not working since April/2016)
DL: Just about anything. Don't use on Delta
UA: MPX, Award Fees (~$170)
UA: Gift card registry (up to $75) (No longer working as of 11/25/17)
UA: Seat Selection Fee
WN: GC
EY: Award Fees
TW: Change fee
UO: Seat fee
AA: Award Fees/Taxes on an itinerary originating outside the US.

To Be Confirmed
UA: Award Redeposit Fees ($200)


Global Entry reimbursements: (works on AU also)

user - mnsweeps ( https://www.flyertalk.com/forum/29336509-post1549.html )

Used mine and a AU card to register for GE for in laws
01/17/201801/18/2018USCUSTOMS TRUSTEDTRAVELER$100.00
01/17/201801/18/2018USCUSTOMS TRUSTEDTRAVELER$100.00

Credit posted today for both cards.
01/20/201801/24/2018GLOBAL ENTRY STMT CREDIT $100.00
01/20/201801/24/2018GLOBAL ENTRY STMT CREDIT $100.00

In 2016, 2017 AND 2018 airline incidental credits for transactions on-or-after January 1st did not start posting until the third week of January. In 2019 they started posting on Jan 11th.

For further information, see this

STARTING JAN 1ST, 2020 there are going to be major changes to this card, these being:[/s]
  • $350 airline incidental credit per account (was $250 per AU)
    • $95 Annual Fee per AU
      • $32 per guest using PriorityPass (used to be free & unlimited)
        • Elimination of $100 Visa Air Discount Benefit
          • Groceries and Gas only earn 1x (used to be 3x)

Sources:

discussion starting here

https://www.cnb.com/content/dam/cnbc...ewards2020.pdf
https://www.cnb.com/content/dam/cnbc...rystal2020.pdf


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City National Bank Crystal Visa Infinite (USA); NY GA TN NV CA MA DC & MN

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Old Jun 3, 2015, 11:13 am
  #16  
 
Join Date: Feb 2015
Posts: 39
They actually give priority pass not lounge club now - and unlike Amex it allows you to bring guests in. The card is "like" Amex Platinum. But good.
csesq is offline  
Old Jun 3, 2015, 1:09 pm
  #17  
mia
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Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,954
Originally Posted by csesq
... priority pass not lounge club now - and unlike Amex it allows you to bring guests in.
Any limit? Citi Prestige allows two guests with Priority Pass.
mia is online now  
Old Jul 14, 2015, 8:34 pm
  #18  
 
Join Date: Sep 2012
Posts: 2
Hey all -- I'm still learning the ropes of these points programs in general so excuse my ignorance.

I'm a CNB client and just got an offer for this card with a 100,000 point bonus if I spend $5k within 90 days. First year's fee waived. Seems like a great deal, no? I have an SPG card and an AAdvantage card. Are these points similarly valued? I'm planning a big purchase in the next few weeks and want to be smart about what card to put it on. Thanks for any help!
aschepsman is offline  
Old Jul 17, 2015, 3:55 am
  #19  
 
Join Date: Mar 2007
Location: EWR-SEA-IAD
Programs: UA 1P MM, AS MVP G*, SPG Gold, Hyatt Plat, IHG Plat, Hilton Diamond, Marriott Gold
Posts: 977
Wow, nice card benefits. But the state restriction is way too limiting and the design just plain sucks.
HGHUA is offline  
Old Jul 17, 2015, 8:54 am
  #20  
 
Join Date: Sep 2012
Posts: 2
Originally Posted by aschepsman
I'm a CNB client and just got an offer for this card with a 100,000 point bonus if I spend $5k within 90 days. First year's fee waived.
Any thoughts on this offer? The only conversations I've read around this card are all offers without bonuses. A little poking around found a few round-trip JFK>LAX AA flights for ~50k points.. seems about normal. I think I'm going to go for it.. any reason not to? Other than having to carry around a pretty ugly card..
aschepsman is offline  
Old Jul 17, 2015, 8:09 pm
  #21  
 
Join Date: Apr 2001
Location: MIA LAX GIG, AA CK
Posts: 211
Got the card a couple weeks ago. Was given a generous credit limit. When I called to activate it was told to choose a PIN. Used it today in Montreal a few times but only Chip and Signature no PIN transaction. Another benefit was being able to use the VISA Infinite line at YUL airport which let me go straight to the front of the line. I'm going to check with my banker at CNB to see about the 100k point bonus and see if I can get in on that offer hopefully.
AAdmiral is offline  
Old Jul 20, 2015, 2:53 am
  #22  
 
Join Date: Apr 2012
Posts: 432
That must mean the other US issuers aren't far behind! Which also means that nearly everyone will have a Visa Infinite aka the market being saturated and diluted isn't too far off either.
Nick92 is offline  
Old Jul 20, 2015, 9:34 am
  #23  
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Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,507
Originally Posted by Nick92
That must mean the other US issuers aren't far behind! Which also means that nearly everyone will have a Visa Infinite aka the market being saturated and diluted isn't too far off either.
Not nearly close to everyone is okay with $400+ annual fees though so that should help with dilution.
tmiw is offline  
Old Jul 21, 2015, 1:49 am
  #24  
 
Join Date: Apr 2012
Posts: 432
Originally Posted by tmiw
Not nearly close to everyone is okay with $400+ annual fees though so that should help with dilution.
I mean as far as the other issuers getting access to offer Infinite. Chase Freedom Visa Infinite? Chase Sapphire Visa Infinite? These are the type of cards that will flood the market ;]
Nick92 is offline  
Old Jul 24, 2015, 4:22 am
  #25  
 
Join Date: Mar 2012
Location: Miami BCH., FLorida
Programs: AA:EXP, GLD:A.Argen., Etihad; Turk SIL:UA, VS; HOT.GLD:ClubC, Loews, SPG; PL:Ritz, Hil, IHG, BtW., R
Posts: 261
Interesting, I have been looking for a BPPR Visa Infinite comment on here!

Originally Posted by photaco
My understanding is that Puerto Rico banks only accept credit card applications from Puerto Rico. I don't know if USA banks accept credit card applications from Puerto Rico, but given the former, I would not classify PR as USA when talking about credit cards...
Just a note....after getting a Puerto Rico Driver's License and address, they and AMEX are the only ones that won't forgive a 10 year (well 9 year, 8 month) old bankruptcy. They are VERY tough. Citibank did and they were included big time, and have now given me a total of a total of $29,500 in credit, but I think that will be $24,500 because when you close the Aadvantage Elite card (which I will probably do a9 months from now after getting 75,000 + miles), they said when my sister closed her's that they had to remove at least the minimal amount that the card can be approved for, and her limit was $5,000. I HOPE they will let me keep the other 10,000 for a total of 15,000 on my most recent application. Chase was included as welll but they have also given me a similar amount of credit (things are almost perfect but not quite due to a misunderstanding with timing of payoff with my mortgage and equity line so I have 2 missed 30's 7 months ago, which is also pulling my score down to under 700.

Well, thank God time heals all wounds, or at least I hope they to with AMEX (and also with BPPR, it's a GREAT card, has the full priority club membership of over 600 lounges - according to their website, as well as 1.5 miles/$ changed for life +50,000 bonus - with a very large spend of $50,000 in the first year. You get 37,500 after the first $3,000 spend, so I would consider it a 37,500 mile bonus, not a 50K bonus as I think a 50K spend is a little silly.)

At any rate, the BPPR card (if you can get 800 FICO score and pristine credit) might be given to you, but only yes with PR or USVI residency.) by the way, only $195/year fee. If you get the full Priority club (which is a minimal of $79, then it's a great value. Have no idea if it's churn-able as the bonus keeps tweaking and I have had 2 denials.

Good luck flyers. Would be very interested if anyone got this w/o PR residency, like having a large account at their affiliated co. in Florida.
rodsren is offline  
Old Jul 24, 2015, 4:26 am
  #26  
 
Join Date: Mar 2012
Location: Miami BCH., FLorida
Programs: AA:EXP, GLD:A.Argen., Etihad; Turk SIL:UA, VS; HOT.GLD:ClubC, Loews, SPG; PL:Ritz, Hil, IHG, BtW., R
Posts: 261
The problem with these types of cards......

Originally Posted by aschepsman
Hey all -- I'm still learning the ropes of these points programs in general so excuse my ignorance.

I'm a CNB client and just got an offer for this card with a 100,000 point bonus if I spend $5k within 90 days. First year's fee waived. Seems like a great deal, no? I have an SPG card and an AAdvantage card. Are these points similarly valued? I'm planning a big purchase in the next few weeks and want to be smart about what card to put it on. Thanks for any help!
is that you get 1 point per dollar charged but to buy a business or first class international ticket you will need about 1 million points to pay for a one way to London (or a $10,000 reward) so I would not recommend it. Get the card, but don't put a large 5 figure purchase on it, i would instead go with AA or AMEX and then ask them for a cancellalaion bonus/incentive NOT to cancel. With significant spend for the year you should get the best offer, i would assume.
rodsren is offline  
Old Oct 1, 2015, 9:01 am
  #27  
 
Join Date: Oct 2006
Location: Okinawa
Posts: 2,611
A very weird Frequentmiler post about this today: http://frequentmiler.boardingarea.co...infinite-100k/
The_Wrath_of_Khan is offline  
Old Oct 1, 2015, 9:41 am
  #28  
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Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,507
Originally Posted by The_Wrath_of_Khan
A very weird Frequentmiler post about this today: http://frequentmiler.boardingarea.co...infinite-100k/
Their application seems to ask for stuff that no other issuer that I know of has ever asked for. Any particular reason for that?
tmiw is offline  
Old Oct 1, 2015, 9:44 am
  #29  
 
Join Date: Oct 2006
Location: Okinawa
Posts: 2,611
Originally Posted by tmiw
Their application seems to ask for stuff that no other issuer that I know of has ever asked for. Any particular reason for that?
I think this is a card that the average person has a snowball's chance in hell of being approved.
The_Wrath_of_Khan is offline  
Old Oct 1, 2015, 10:06 am
  #30  
 
Join Date: Sep 2013
Location: SMF
Posts: 1,251
Originally Posted by The_Wrath_of_Khan
I think this is a card that the average person has a snowball's chance in hell of being approved.
Agreed. That and the fact that nobody really knows what counts as an airline credit or what the point redemptions are valued at make this a no-go for many, including me.
Big4Flyer is offline  


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