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

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

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Old Nov 1, 19, 4:44 am   -   Wikipost
Please read: This is a community-maintained wiki post containing the most important information from this thread. You may edit the Wiki once you have been on FT for 90 days and have made 90 posts.
 
Last edit by: ukinny2000
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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✓ģ 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:

  • $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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Old Sep 18, 18, 9:15 am
  #1696  
 
Join Date: Sep 2018
Posts: 80
Originally Posted by lincoln boy View Post
I am curious too. In order to apply a checking account, the website asks you to choose a state and it needs to be one of those states that CNB is located. But is that a really requirement? what happens if you apply their checking account while you are not living in one of those states?
You don't have to open a checking account in order to apply to a card. At least that is what they told me.
jrc87 is offline  
Old Sep 18, 18, 10:25 am
  #1697  
 
Join Date: Mar 2011
Location: NY, NY
Posts: 647
I can't wait for the first week of Jan next year when this board will be lit with questions along the lines of, "I bought xyz, and haven't received my airline credit yet after ten days etc etc" lol So as a friendly reminder to all the new cardholders, please check wiki for what works/ what doesn't, and what the time-frames are in the month of Jan for the $250 rebates :-)
ukinny2000 is offline  
Old Sep 18, 18, 4:32 pm
  #1698  
 
Join Date: Sep 2018
Posts: 1
A few questions after reading the posts and replies.

0. Do you need to be a citizen or permanent resident to apply?
1. Do I need to have auís SSN to add AU cards?
2. Is the annual fee waived for the 750K offer currently available ?
Alex Prince is offline  
Old Sep 19, 18, 6:24 pm
  #1699  
 
Join Date: Mar 2016
Posts: 55
Originally Posted by Alex Prince View Post
0. Do you need to be a citizen or permanent resident to apply?
1. Do I need to have auís SSN to add AU cards?
2. Is the annual fee waived for the 750K offer currently available ?
yes, yes, maybe no
johnstein is offline  
Old Sep 19, 18, 6:25 pm
  #1700  
 
Join Date: Mar 2011
Location: NY, NY
Posts: 647
Originally Posted by Alex Prince View Post
0. Do you need to be a citizen or permanent resident to apply?
1. Do I need to have auís SSN to add AU cards?
2. Is the annual fee waived for the 750K offer currently available ?
0. not sure, but most likely yes
1. No
2. No
ukinny2000 is offline  
Old Sep 20, 18, 4:51 pm
  #1701  
 
Join Date: Sep 2018
Posts: 80
Originally Posted by Alex Prince View Post
0. Do you need to be a citizen or permanent resident to apply?
1. Do I need to have au’s SSN to add AU cards?
2. Is the annual fee waived for the 750K offer currently available ?


You should be able to get the card if you're a lawful permanent resident (a.k.a. have a greencard)
jrc87 is offline  
Old Sep 21, 18, 10:20 am
  #1702  
 
Join Date: Nov 2013
Programs: AS Gold, Hyatt Diamond, Starriott LTPP
Posts: 288
I received card via FedEx Priority Overnight 2 days after application approval (was notified via phone call).

They pulled Experian and did not require any documentation for income & assets. After applying in branch, received approval within 24 hours. The application did not indicate the additional 25000 point bonus (it still says 50000), but I was told that the offer is in the system.

Looking forward to using the card and adding AU(s)!
soartoday is offline  
Old Sep 23, 18, 10:11 pm
  #1703  
 
Join Date: Aug 2007
Posts: 7
Originally Posted by ukinny2000 View Post
0. not sure, but most likely yes
1. No
2. No
How did you add an AU without a SSN? I can't find that option

Thanks
Venusian is offline  
Old Sep 24, 18, 4:57 am
  #1704  
 
Join Date: Mar 2011
Location: NY, NY
Posts: 647
Called my banker. Provided foreign id instead of ssn
ukinny2000 is offline  
Old Sep 24, 18, 3:25 pm
  #1705  
 
Join Date: Apr 2015
Posts: 24
Anyone able to apply over email still?

Last edited by needmref; Sep 24, 18 at 3:30 pm
needmref is offline  
Old Sep 24, 18, 6:02 pm
  #1706  
 
Join Date: Nov 2013
Programs: AS Gold, Hyatt Diamond, Starriott LTPP
Posts: 288
Originally Posted by geclub1 View Post
I just checked. AU does not seem to be reported.
Can anyone confirm that it's still the case that CNB doesn't report to credit bureaus for authorized users? The last report I found from searching is from 2016. Thanks!
soartoday is offline  
Old Sep 24, 18, 6:17 pm
  #1707  
 
Join Date: Apr 2015
Posts: 24
Originally Posted by soartoday View Post
Can anyone confirm that it's still the case that CNB doesn't report to credit bureaus for authorized users? The last report I found from searching is from 2016. Thanks!
Not me. But my AUs added early Ď17 didnít get reported and I needed SSN and license
soartoday likes this.
needmref is offline  
Old Sep 30, 18, 4:46 am
  #1708  
inY
 
Join Date: Jan 2011
Posts: 364
Banker implied that the application process would get easier on October 1.
inY is offline  
Old Sep 30, 18, 6:41 pm
  #1709  
 
Join Date: Aug 2011
Posts: 9
Do they do a HP for AUs when adding them with SSN?

Also, do AU cards show up on their credit report? If not, does that mean that the AU cards won't count toward 5/24?


Originally Posted by needmref View Post
Not me. But my AUs added early ‘17 didn’t get reported and I needed SSN and license

Last edited by gigadigit; Oct 1, 18 at 4:58 pm
gigadigit is offline  
Old Oct 1, 18, 11:55 am
  #1710  
 
Join Date: Apr 2018
Posts: 192
Originally Posted by asdfghjk View Post
What is the minimum age for an authorized user? Thanks.
Originally Posted by milypan View Post
15.
Originally Posted by geclub1 View Post
Interesting. My banker made me wait until AU is 18 to add.
Originally Posted by milypan View Post
My banker quoted me 15. I did not test it (all my AUs are adults).
So YMMV? Can cardholder add AU on website or must AU be added at bank during application? Can AU be added after card is in hand?
robchow is offline  

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