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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 Aug 9, 19, 1:07 pm   -   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: jcatman
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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 (Cnb.com/creditcardonline).
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
$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.
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
$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
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
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Old Jul 20, 19, 1:09 pm
  #2461  
 
Join Date: Apr 2002
Posts: 2,138
Originally Posted by EasternTraveler View Post
I love CNB
I couldn't agree more. I just hope that none of the Yahoo's out there ruin the card and benefits for those of us who actually use the card as it was intended for.
akr1970akr likes this.
TTT103 is online now  
Old Jul 20, 19, 7:52 pm
  #2462  
 
Join Date: May 2005
Location: SEA
Programs: AS MVPG; HHonors Gold; NEXUS
Posts: 387
I got the card earlier this week with a $50k limit. I reported an income of approximately $215k/yr including bonus/stock and excluding my wife's income. All he wanted was my paystub. They pulled Experian. I had 3 inquiries on my EX report, all mortgage-related, so zero inquiries for cards. Per my banker's advice, I let them approve me for whatever they saw fit as the maximum, I didn't request a specific amount. A few things:

- I called the customer service number on the back of the card to add an AU. Interestingly, this request was forwarded to my banker and he took care of this the next day by calling me. Be aware of the fact that they want a host of info, including the SSN and a passport or DL number for the AU. He again insisted that the credit line for the AU would be deducted from my credit line, despite what people have said here, as well as what the CSR said a day earlier. He apologized that they didn't get the explanation right. Not sure what to believe here.

- My last name was misspelled, something I didn't notice when my banker had initially sent me the application to sign that he took over the phone. He ordered a new card and it should arrive shortly.

My primary card for the last 5+ years has been a grandfathered version of the Barclays Priceline Rewards Visa. No AF, 3.2% CB on everything when you request statement credits against airfare or Priceline hotels. I wanted an additional card with better benefits. I am going to shift the 3x bonus categories over to this card, which gathering from the reports, nets 1.33 cents per point when redeemed for air via the concierge (so 4 cents per dollar), and leave everything else on the Priceline card. Most of our transactions, but not necessarily our spend, in the bonus categories so I anticipate this will become our primary card.
sullim4 is offline  
Old Jul 24, 19, 10:34 am
  #2463  
 
Join Date: Jul 2014
Location: Western US
Programs: Costco Executive Member, Amazon Optimus Prime
Posts: 743
Originally Posted by TTT103 View Post
I couldn't agree more. I just hope that none of the Yahoo's out there ruin the card and benefits for those of us who actually use the card as it was intended for.
+1

I put all my non bonused spend on here too. With a lot of ancillary benefits getting nuked at mainline issuers the Visa Infinite benny package - even if it looks much harder to use compared to Citi/Chase native ones - gets a bit more interesting. I mostly care about travel protections and ext. warranty.

The bonus categories make this a great daily driver for someone who doesn't want to optimize every last spending dollar too.
akr1970akr is offline  
Old Jul 24, 19, 10:54 am
  #2464  
FlyerTalk Evangelist
 
Join Date: Dec 2002
Location: Danville, CA, USA;
Programs: UA Plat & 1MM, Marriott LT Gold, HHonors Gold, Hyatt Explorist & IHG Plat Amb
Posts: 11,916
Originally Posted by akr1970akr View Post
I put all my non bonused spend on here too. With a lot of ancillary benefits getting nuked at mainline issuers the Visa Infinite benny package - even if it looks much harder to use compared to Citi/Chase native ones - gets a bit more interesting. I mostly care about travel protections and ext. warranty.

The bonus categories make this a great daily driver for someone who doesn't want to optimize every last spending dollar too.
Mrs. B uses this card for grocery spend but otherwise we prefer the JPM-R (equivalent to CSR) for travel and restaurant spend as I value 3x Chase UR > 3x CNB points.

Recently received a promo for 4x CNB points on travel spend - tempting but we already took our summer vacation so a bit late to the party.

For unbonus spend we typically go for Chase UR though we should probably give another look at 2% cash back cards.
Boraxo is online now  
Old Jul 24, 19, 11:46 pm
  #2465  
 
Join Date: Dec 2006
Location: SEA
Programs: free agent
Posts: 320
Originally Posted by jrc87 View Post
I am interested to know this also. Nexus makes a LOT more sense than GE if you live in a bordering state with Canada.
My Nexus fee was not automatically credited. I never called and asked them to do it, thanks for the reminder!
pareto is offline  
Old Jul 25, 19, 3:38 pm
  #2466  
 
Join Date: Apr 2002
Posts: 2,138
Originally Posted by Boraxo View Post

Recently received a promo for 4x CNB points on travel spend - tempting but we already took our summer vacation so a bit late to party.
I've been taking advantage of the 4X promo. It runs through August 15th.
TTT103 is online now  
Old Jul 25, 19, 6:40 pm
  #2467  
 
Join Date: Aug 2018
Posts: 5
Do P2P payments (paypal, venmo, etc) count toward MSR?
arkistan is offline  
Old Jul 25, 19, 11:52 pm
  #2468  
 
Join Date: May 2015
Posts: 81
Originally Posted by ffflllyyyeeerrr View Post
What $ amount did you purchase?
I bought $75 and $50 denominations.
bradpitch92 is offline  
Old Jul 26, 19, 11:07 pm
  #2469  
 
Join Date: Sep 2018
Posts: 9
Did anyone ever try the same Airline Credit trick as it works with the Amex cards and Alaska Airlines?
It works this way:
- buy a ticket in the evening that doesn't cost much maybe less than $50
- cancel it the next day before the 24h free cancellation is over

Tickets are not incidentals but this trick does work for Amex.
td0815 is offline  
Old Jul 27, 19, 2:34 pm
  #2470  
FlyerTalk Evangelist
 
Join Date: Dec 2002
Location: Danville, CA, USA;
Programs: UA Plat & 1MM, Marriott LT Gold, HHonors Gold, Hyatt Explorist & IHG Plat Amb
Posts: 11,916
Originally Posted by td0815 View Post
Did anyone ever try the same Airline Credit trick as it works with the Amex cards and Alaska Airlines?
It works this way:
- buy a ticket in the evening that doesn't cost much maybe less than $50
- cancel it the next day before the 24h free cancellation is over

Tickets are not incidentals but this trick does work for Amex.
please donít pull this nonsense with CNB. Some of us like this card and we donít need it ruined by game players.

If if you canít find $250 in legit airline expenses then maybe you should get another card.
Boraxo is online now  
Old Jul 27, 19, 3:45 pm
  #2471  
 
Join Date: Apr 2002
Posts: 2,138
Originally Posted by Boraxo View Post


please don’t pull this nonsense with CNB. Some of us like this card and we don’t need it ruined by game players.

If if you can’t find $250 in legit airline expenses then maybe you should get another card.

I'll second that! If one doesn't have $250 in legitimate airline expenses, is this really the right card for you? CNB is just a little guy compared to Chase, Citi, and so on. Let's not destroy this card over nonsense.
TTT103 is online now  
Old Jul 27, 19, 5:18 pm
  #2472  
Hyatt Contributor BadgeMarriott 5+ Badge
 
Join Date: Jan 2017
Location: EWR/PHL/BWI
Posts: 2,552
I agreed with the two above.
Housing1st likes this.

Last edited by RedSun; Jul 27, 19 at 5:26 pm
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Old Jul 27, 19, 7:19 pm
  #2473  
 
Join Date: May 2005
Location: SEA
Programs: AS MVPG; HHonors Gold; NEXUS
Posts: 387
I'll fourth it. Dealing with CNB compared to issuers like Barclays is like night and day. Please use the benefits legitimately for their intended purpose.
sullim4 is offline  
Old Jul 28, 19, 4:25 am
  #2474  
 
Join Date: Feb 2001
Location: Ann Arbor, Michigan
Programs: Airline Free Agent, Hilton Diamond, Fairmont Lifetime Platinum
Posts: 2,811
Amen guys!

I find it peculiar how "excited" View From The Wing is about this card. His demeanor towards it would have been MUCH different if the card came with a fat sales commission for selling it!
gpapadop is offline  
Old Jul 28, 19, 8:24 am
  #2475  
Hyatt Contributor BadgeMarriott 5+ Badge
 
Join Date: Jan 2017
Location: EWR/PHL/BWI
Posts: 2,552
Originally Posted by gpapadop View Post
Amen guys!

I find it peculiar how "excited" View From The Wing is about this card. His demeanor towards it would have been MUCH different if the card came with a fat sales commission for selling it!
Your comment can be safely ignored....
AlertPenguin likes this.
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