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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✓ 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 Aug 6, 19, 5:44 pm
  #2491  
 
Join Date: Jul 2014
Location: Western US
Programs: Costco Executive Member, Amazon Optimus Prime
Posts: 747
I used some CNB pts to book an AS airfare through their portal. The X fare cost $25 more via their portal than booking directly with the carrier. There was a small cash copay (I didn't have enough pts) and that coded up as MCC 4722, which is Travel Agent & Tour Operators. I could have saved myself that fare differential by calling into the concierge and booking over the phone, but given all the troubles I've generally had with that (with other firms, not CNB explicitly) I'd rather not take the risk of getting names, KTN, FF, or anything else wrong. Fixing those the next day after ticketing is annoying. (And the fare went up $50 this morning too!) Redemption value was ~1.18 cpp

One other thing, which I've had with other OTAs, even though my AS FF is attached to the ticket, is those bookings never seem to autopopulate on my AS account under MyTrips. And CNB's Connexions website doesn't send email confirms of booking even though they state will. I've had that problem with Connexions at Citi, Chase, and others. It's not a spam folder thing either.
akr1970akr is offline  
Old Aug 6, 19, 6:40 pm
  #2492  
 
Join Date: Jan 2018
Location: BGI | CMH
Programs: AA Platinum | HH Diamond | SPG Gold
Posts: 256
For the $100 Visa Air Discount does the primary card member have to fly ?

Can the AU card book a flight with someone else and get the discount ?
akr1970akr likes this.
Shadowfactor is offline  
Old Aug 6, 19, 6:45 pm
  #2493  
pjs
 
Join Date: Mar 1999
Location: Alpharetta, GA, USA
Posts: 468
Originally Posted by akr1970akr View Post
I used some CNB pts to book an AS airfare through their portal. The X fare cost $25 more via their portal than booking directly with the carrier. There was a small cash copay (I didn't have enough pts) and that coded up as MCC 4722, which is Travel Agent & Tour Operators. I could have saved myself that fare differential by calling into the concierge and booking over the phone, but given all the troubles I've generally had with that (with other firms, not CNB explicitly) I'd rather not take the risk of getting names, KTN, FF, or anything else wrong. Fixing those the next day after ticketing is annoying. (And the fare went up $50 this morning too!) Redemption value was ~1.18 cpp

One other thing, which I've had with other OTAs, even though my AS FF is attached to the ticket, is those bookings never seem to autopopulate on my AS account under MyTrips. And CNB's Connexions website doesn't send email confirms of booking even though they state will. I've had that problem with Connexions at Citi, Chase, and others. It's not a spam folder thing either.
I fed the agent our TTNs and FF#s. The only one she missed was my AA number, but I was able to bring up my PNR on the AA website and add it pretty easily. Everything else was good. I know of someone else who did not get the lowest fare info in the portal (it's a 3rd party operator). I think calling in is the way to go with CNB for booking with points. I do think the Visa Infinite portal has the same fares as the airlines btw.
pjs is offline  
Old Aug 6, 19, 8:40 pm
  #2494  
 
Join Date: Mar 2014
Posts: 5
Signed up online on 7/26, got approved on 8/1. Was told by customer representative on the phone that I'm only eligible for spending $3000/30000 bonus points offer. Anyone has similar experience? I also wrote message on City National Online but haven't heard back from them.
chiyulin71 is offline  
Old Aug 6, 19, 9:05 pm
  #2495  
 
Join Date: Mar 2013
Posts: 367
Originally Posted by chiyulin71 View Post
Signed up online on 7/26, got approved on 8/1. Was told by customer representative on the phone that I'm only eligible for spending $3000/30000 bonus points offer. Anyone has similar experience? I also wrote message on City National Online but haven't heard back from them.
I was just writing about this above. Do you have online access yet? If so what date is the $400 AF charged? I received an e-mail requesting a few pieces of information about my employer on 8/1. I responded and received the cards in the mail on 8/2. After getting online access my AF was charged on 7/31. That to me means the account had to be open on 7/31 for me to be charged on 7/31 and I should be eligible for the $5k/50k bonus.
jags86 is offline  
Old Aug 6, 19, 9:56 pm
  #2496  
 
Join Date: Mar 2014
Posts: 5
Originally Posted by jags86 View Post


I was just writing about this above. Do you have online access yet? If so what date is the $400 AF charged? I received an e-mail requesting a few pieces of information about my employer on 8/1. I responded and received the cards in the mail on 8/2. After getting online access my AF was charged on 7/31. That to me means the account had to be open on 7/31 for me to be charged on 7/31 and I should be eligible for the $5k/50k bonus.
I do have online access. But I haven't seen the annual fee posted yet.
chiyulin71 is offline  
Old Aug 7, 19, 7:04 am
  #2497  
 
Join Date: Aug 2012
Posts: 265
Originally Posted by chiyulin71 View Post
Signed up online on 7/26, got approved on 8/1. Was told by customer representative on the phone that I'm only eligible for spending $3000/30000 bonus points offer. Anyone has similar experience? I also wrote message on City National Online but haven't heard back from them.
How did you apply online? Did you have bank accounts with CNB already? Thanks.
asdfghjk is offline  
Old Aug 7, 19, 11:07 am
  #2498  
 
Join Date: Mar 2014
Posts: 5
Originally Posted by asdfghjk View Post
How did you apply online? Did you have bank accounts with CNB already? Thanks.

There was a brief moment a week and a half ago that they allowed online application. And I took it.

I don't have any other accounts with CNB currently.
chiyulin71 is offline  
Old Aug 7, 19, 2:31 pm
  #2499  
 
Join Date: Jul 2014
Location: Western US
Programs: Costco Executive Member, Amazon Optimus Prime
Posts: 747
Originally Posted by Shadowfactor View Post
For the $100 Visa Air Discount does the primary card member have to fly ?

Can the AU card book a flight with someone else and get the discount ?
Can be either primary or AU. Need to use the card of whoever will be flying though.
Shadowfactor likes this.
akr1970akr is offline  
Old Aug 7, 19, 3:00 pm
  #2500  
 
Join Date: Jul 2004
Location: MSP
Programs: DL PM, Amtrak & OAL peon, Blingy metal at most hotels, Colbert Platinum, Walk & Transit Scores 96
Posts: 4,463
Originally Posted by akr1970akr View Post
Cardholders will eventually be expected to grow the relationship in real ways though.

My banker said at some point they had been told that card renewals may not happen for those why they think won't need other services.

Not sure how true that is, or if people ever get a/c closed due to that, but it makes sense to me.
I've had the card for over eight months and my banker hasn't reached out to me once, even during the long periods of no spend. I also haven't received any marketing e-mails or mail from CNB aside from the one Crystal summer travel points-earning promo. A punitive shutdown would be very passive-aggressive when they're not courting me at all.

Originally Posted by sullim4 View Post
If that's the case, they should just require a banking relationship up front rather than allow you to apply for the card as a standalone product..
Exactly, HSBC does this for their premium card.
GoAmtrak is offline  
Old Aug 7, 19, 8:52 pm
  #2501  
 
Join Date: May 2005
Location: SEA
Programs: AS MVPG; HHonors Gold; NEXUS
Posts: 387
Travel Spend data point: Charged $59 upgrade on AS to premium class. Worked like a charm. Charged 7/26, posted on 7/30, rebate transaction on 8/3, posted 8/7.
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sullim4 is offline  
Old Aug 8, 19, 9:12 am
  #2502  
 
Join Date: Jul 2014
Location: Western US
Programs: Costco Executive Member, Amazon Optimus Prime
Posts: 747
Originally Posted by sullim4 View Post
Travel Spend data point: Charged $59 upgrade on AS to premium class. Worked like a charm. Charged 7/26, posted on 7/30, rebate transaction on 8/3, posted 8/7.
Was that at the airport, or after you had booked a ticket and upgraded it on the web site before travel?

I was looking to do something similar and I'd seen multiple data points suggesting upgrades weren't working (and they're not in the T&C, not that means all that much) so didn't do the upgrade (yet).
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Old Aug 8, 19, 9:47 am
  #2503  
 
Join Date: May 2005
Location: SEA
Programs: AS MVPG; HHonors Gold; NEXUS
Posts: 387
It was on the website for a flight in October. My guess is the threshold is what's important... there's a $120 upgrade I want to push through but I highly suspect that it won't get credited.
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sullim4 is offline  
Old Aug 8, 19, 11:43 am
  #2504  
 
Join Date: Jun 2017
Programs: rr ua hyatt marriott spg
Posts: 6
AA $250 GC purchased 7/28; Credited 8/8
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int2e is offline  
Old Aug 8, 19, 4:08 pm
  #2505  
 
Join Date: Aug 2018
Posts: 6
Wife and I both recently got the CNB card. Of course getting two sign-up bonuses was an incentive, but we both wanted cards as a way to organize finances. We will each use our cards for different family expense categories: mine for groceries and restaurants, and hers for travel and transportation. Thus we would need to add each other as AU's. Could this look bad to the bank for any reason?

Last edited by arkistan; Aug 8, 19 at 4:38 pm
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