Nov 6, 2015, 11:03 pm
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]
Sources:
discussion starting here
https://www.cnb.com/content/dam/cnbc...ewards2020.pdf
https://www.cnb.com/content/dam/cnbc...rystal2020.pdf
Past bonuses were:
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.
*(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 BenefitGroceries and Gas only earn 1x (used to be 3x)
discussion starting here
https://www.cnb.com/content/dam/cnbc...ewards2020.pdf
https://www.cnb.com/content/dam/cnbc...rystal2020.pdf
City National Bank Crystal Visa Infinite (USA); NY GA TN NV CA MA DC & MN
Jan 12, 2019, 6:20 am
#2042
Join Date: Mar 2011
Location: NY, NY
Posts: 695
As for whether to keep it or not, in my book I .paying $400 in AF and getting $1000 back. So yes it's worth it. Plus I put a good amount of spend on it throughout the year as I find the points and other benefits tremendously useful.
Jan 12, 2019, 6:54 am
#2043
Join Date: Feb 2001
Location: Ann Arbor, Michigan
Programs: Airline Free Agent, Fairmont Lifetime Platinum, Hyatt Globalist, Hilton Honors Diamond
Posts: 3,041
Just got the cards, all activated, online account and rewards account set up correctly.
One observation and question:
I feel like I was transported back into a website run by DOS or Windows 95, wow! These guys could sure use some web design skills!
Assuming there is no secure messaging online? As the "Contact Us" link leads to...nowhere.
It will take some time getting used to this interface...
One observation and question:
I feel like I was transported back into a website run by DOS or Windows 95, wow! These guys could sure use some web design skills!
Assuming there is no secure messaging online? As the "Contact Us" link leads to...nowhere.
It will take some time getting used to this interface...
Jan 12, 2019, 9:28 am
#2044
Join Date: Dec 2018
Posts: 75
Just got the cards, all activated, online account and rewards account set up correctly.
One observation and question:
I feel like I was transported back into a website run by DOS or Windows 95, wow! These guys could sure use some web design skills!
Assuming there is no secure messaging online? As the "Contact Us" link leads to...nowhere.
It will take some time getting used to this interface...
One observation and question:
I feel like I was transported back into a website run by DOS or Windows 95, wow! These guys could sure use some web design skills!
Assuming there is no secure messaging online? As the "Contact Us" link leads to...nowhere.
It will take some time getting used to this interface...
Are you on the CNO website or the creditsecure website? The CNO website is much more "modern" and has more features.
Jan 12, 2019, 10:13 am
#2045
Join Date: Jul 2014
Location: Western US
Programs: Costco Executive Member, Amazon Optimus Prime
Posts: 1,251
If their website and interface was much more modern, I doubt the card would be as good.
I'm fine with them spending the money on benefits rather than over engineered websites.
Maybe the only thing that would be helpful would better ways to 'push' payments into the account from external sources.
Is anyone able to push via just using a visa account number?
I'm fine with them spending the money on benefits rather than over engineered websites.
Maybe the only thing that would be helpful would better ways to 'push' payments into the account from external sources.
Is anyone able to push via just using a visa account number?
Jan 12, 2019, 2:02 pm
#2046
Join Date: Feb 2001
Location: Ann Arbor, Michigan
Programs: Airline Free Agent, Fairmont Lifetime Platinum, Hyatt Globalist, Hilton Honors Diamond
Posts: 3,041
It is not big deal really, just a little difficult in the eyes, that's all. As @akr1970akr indicated...it is probably better it is not as smooth
Jan 12, 2019, 6:57 pm
#2048
Join Date: Mar 2015
Posts: 333
Ditto my charges for 1/1, credits for which posted today.
As for whether to keep it or not, in my book I .paying $400 in AF and getting $1000 back. So yes it's worth it. Plus I put a good amount of spend on it throughout the year as I find the points and other benefits tremendously useful.
As for whether to keep it or not, in my book I .paying $400 in AF and getting $1000 back. So yes it's worth it. Plus I put a good amount of spend on it throughout the year as I find the points and other benefits tremendously useful.
Agree that keeping it is a no brainer, if you max out the AUs.
Jan 12, 2019, 8:00 pm
#2049
Join Date: Dec 2018
Posts: 75
I looked up their redemption for flights and it's not bad. Booking flights through their portal is slightly more than what I see the same flights go for on Google flights.
For example, $335 vs $315 Google.
But you get around 1.34 cents per point so it's pretty good. Redemption for gift cards and cash back is garbage as you get less than 1 cent per point.
Realistically you don't need to max out the AUs to get good value. If you just get 2 x $250 GCs that already more than covers your Annual fee. On top of that you get all the premium benefits of a Visa Infinite card (100 dollar airline discounts, primary CDW, travel insurance, no Forex fees, etc etc). Basically the same perks as a CSR
Jan 12, 2019, 8:13 pm
#2050
Join Date: Mar 2011
Location: NY, NY
Posts: 695
As others have said, the 1.3x cpp for travel. I also use the visa discount air benefit at least twice, if not more, per year, so that there is another $200+ in benefits. The two PPs are great, but I also get PPs frm the various Amex's, so that is a bit of a wash.
Jan 12, 2019, 8:20 pm
#2051
Join Date: Oct 2006
Posts: 191
Thanks for the tip. I have yet to get shell fuel rewards to work for me at all. I have my phone setup as my alt id but it never seems to work. Gonna try carrying the fuel rewards card around in the car now. It’s such a tiny value it’s not worth this hassle. I’m really only trying to see if I can rack up some discounts while filling my 31 gallon work vehicle every time, and then use the discounts when filling up my wife’s car. I’ve now unlinked all credit cards except my company has card, and all redemption icons are turned off. Any idea why I’m not racking up fuel discounts each time I use my linked card?
Jan 12, 2019, 8:45 pm
#2052
Join Date: Mar 2015
Posts: 333
Thanks for the response. I read above that the travel redemption is limited to basic economy flights. Is that your experience too? What is your best travel redemption?
Jan 12, 2019, 8:47 pm
#2053
Join Date: Mar 2015
Posts: 333
The only worthwhile use for the points imo is for travel.
I looked up their redemption for flights and it's not bad. Booking flights through their portal is slightly more than what I see the same flights go for on Google flights.
For example, $335 vs $315 Google.
But you get around 1.34 cents per point so it's pretty good. Redemption for gift cards and cash back is garbage as you get less than 1 cent per point.
Realistically you don't need to max out the AUs to get good value. If you just get 2 x $250 GCs that already more than covers your Annual fee. On top of that you get all the premium benefits of a Visa Infinite card (100 dollar airline discounts, primary CDW, travel insurance, no Forex fees, etc etc). Basically the same perks as a CSR
I looked up their redemption for flights and it's not bad. Booking flights through their portal is slightly more than what I see the same flights go for on Google flights.
For example, $335 vs $315 Google.
But you get around 1.34 cents per point so it's pretty good. Redemption for gift cards and cash back is garbage as you get less than 1 cent per point.
Realistically you don't need to max out the AUs to get good value. If you just get 2 x $250 GCs that already more than covers your Annual fee. On top of that you get all the premium benefits of a Visa Infinite card (100 dollar airline discounts, primary CDW, travel insurance, no Forex fees, etc etc). Basically the same perks as a CSR
Jan 12, 2019, 8:48 pm
#2054
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,501
If you only purchase fuel with the card you enrolled in Fuel Rewards, the most you will likely ever save is $0.05/gallon. If you purchase from the Shell retail store every $25 with the enrolled card will gain an additional $0.05/gallon and usually after you spend $50 at restaurants with the enrolled card you will gain an additional $0.10/gallon. The retail portal offers more per gallon savings, but if you are only buying fuel in the program you will likely never see more than $0.05/gallon savings.
Jan 13, 2019, 10:02 am
#2055
Join Date: Jul 2014
Location: Western US
Programs: Costco Executive Member, Amazon Optimus Prime
Posts: 1,251
People are reporting that issue with United bookings, but you could try other carriers, or calling in for a booking to see if other classes are available.
I think this an issue with their travel portal vendor, not a deliberate policy choice.
Seems hard to believe that a top end travel card expects their clientele to be forced into BE
I think this an issue with their travel portal vendor, not a deliberate policy choice.
Seems hard to believe that a top end travel card expects their clientele to be forced into BE
