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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 Aug 9, 19, 11:54 am
  #2506  
 
Join Date: May 2005
Location: SEA
Programs: AS MVPG; HHonors Gold; NEXUS
Posts: 387
I would not risk that, although I doubt they will revoke your card or something as a consequence as long as you are up front with them. They ask for the SSN of the AU and at that point they are likely to find out that person has a card in their "system".

I'd just ask your banker if that is OK.
sullim4 is offline  
Old Aug 9, 19, 2:46 pm
  #2507  
 
Join Date: Jul 2014
Location: Western US
Programs: Costco Executive Member, Amazon Optimus Prime
Posts: 743
Originally Posted by arkistan View Post
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?
The bankers know & understand exactly why people want to do this.

Just be prepared when they ask you for some banking business.

If you decline that you'll have more to potentially lose if they decide to close accounts someday.

The bankers view these cards as loss leaders.
akr1970akr is offline  
Old Aug 10, 19, 9:35 am
  #2508  
 
Join Date: Aug 2019
Posts: 1
Travel credit data point:
AA $250 digital GC posted 8/1, rebate posted 8/9
natieya and Shadowfactor like this.
Daniel5724 is offline  
Old Aug 13, 19, 8:09 am
  #2509  
 
Join Date: Dec 2018
Posts: 6
Another travel rebate DP:
  • AA $250 e-GC purchased 7/31/2019
  • Charge posted 8/2/2019
  • Travel rebate posted 8/13/2019 (backdated to 8/8/2019)
whatonearth is offline  
Old Aug 13, 19, 9:01 am
  #2510  
 
Join Date: Feb 2014
Posts: 13
AA $250 e-GC DP
purchased: 7/31/19 (8/2 posted)
Rebate: 8/12/19
nikkininiorchid is offline  
Old Aug 13, 19, 12:33 pm
  #2511  
 
Join Date: May 2015
Posts: 25
I pan to rent a car in Thailand. Should I decline all additional coverage by using this card?
g4indigo is offline  
Old Aug 13, 19, 12:39 pm
  #2512  
 
Join Date: May 2015
Posts: 25
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 ?
yes AU can book with someone else.
g4indigo is offline  
Old Aug 13, 19, 12:58 pm
  #2513  
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: 11,921
Originally Posted by g4indigo View Post
I pan to rent a car in Thailand. Should I decline all additional coverage by using this card?
Depends on your risk tolerance. You can decline CDW as that is covered by all Visa Infinite cards. The rest (e.g. PAI) is on you.
Boraxo is offline  
Old Aug 13, 19, 4:16 pm
  #2514  
 
Join Date: May 2015
Posts: 81
Originally Posted by Boraxo View Post
Depends on your risk tolerance. You can decline CDW as that is covered by all Visa Infinite cards. The rest (e.g. PAI) is on you.
key is only collision damage waiver, you'll likely still need actual liability insurance. Also - it's Thailand. I'd recommend just paying for the CDW unless it's really expensive. Good luck meeting all the documentation claims if something actually happens in Thailand.
bradpitch92 is offline  
Old Aug 15, 19, 11:34 am
  #2515  
 
Join Date: Aug 2016
Posts: 25
Applied 7/29. Was informed card was approved 8/2 after reaching out to my in branch banker multiple times. Since I received a paper copy of my application which clearly states $5k for 50k CNB points, I'm not too concerned about the timing.
Card finally received 8/14. I just set up all the logins today and noticed that $1k vgc is now 13k instead of 12.5k as stated on the wiki. It looks like they've learned to price their points to the supposedly cpp.
silvervknight is offline  
Old Aug 15, 19, 1:14 pm
  #2516  
 
Join Date: Feb 2018
Posts: 105
Originally Posted by silvervknight View Post
Card finally received 8/14. I just set up all the logins today and noticed that $1k vgc is now 13k instead of 12.5k as stated on the wiki. It looks like they've learned to price their points to the supposedly cpp.
I think you've got it a bit mixed up. First of all, 13K points gets you a $100 VGC not $1K. $1K VGC is 130K points (no savings on $1K vs $100). And if you're talking about CNB Rewards points being worth ~1.3 cents each, then you're looking at it backward. Redeeming for a $1K VGC is not a good redemption, $1K/130K points = 0.77 cpp. You're probably doing 130K points / $1K and arriving at 1.3 points per cent, which is the inverse of 1.3 cents per point and as such is worse, way worse. Do yourself a favor and just book travel through the concierge for the redemption and get the real 1.3 cpp. Apparently you can even use the $100 discount on 2 domestic round trip tickets while redeeming points through the concierge for some extra value.
WantOnlinePoker is offline  
Old Aug 16, 19, 5:58 pm
  #2517  
 
Join Date: Aug 2016
Posts: 25
I'm not worthy. Sorry for the math fumble. Let me get back into lurking. Lol
silvervknight is offline  
Old Aug 18, 19, 12:33 pm
  #2518  
 
Join Date: Aug 2006
Location: ATL, BHM, DUB, County Wexford
Programs: DL DM, AA ExPlt, Diamond HH & HY
Posts: 2,984
Originally Posted by Boraxo View Post


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.
Agreed!
​​​​​​​Nothing angers me more than scammers!
EasternTraveler is offline  
Old Aug 18, 19, 12:46 pm
  #2519  
 
Join Date: Aug 2006
Location: ATL, BHM, DUB, County Wexford
Programs: DL DM, AA ExPlt, Diamond HH & HY
Posts: 2,984
Originally Posted by arkistan View Post
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?
That is a great way to get shut down.
EasternTraveler is offline  
Old Aug 18, 19, 5:22 pm
  #2520  
 
Join Date: Apr 2002
Posts: 2,141
Originally Posted by EasternTraveler View Post
That is a great way to get shut down.
I would have to agree. This is not a Chase or Citibank. Your banker will know exactly what is going on.
TTT103 is offline  

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