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

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Old Nov 6, 2015, 11:03 pm
FlyerTalk Forums Expert How-Tos and Guides
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]
  • $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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City National Bank Crystal Visa Infinite (USA); NY GA TN NV CA MA DC & MN

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Old Oct 29, 2019, 6:21 pm
  #2746  
 
Join Date: Jan 2018
Location: BGI | MIA
Programs: AA Platinum Pro | Hyatt Globalist | HH Diamond | SPG Gold
Posts: 316
Originally Posted by Boraxo
Umm, in reviewing the most recent posts, several cardholders used AU cards (NOT primary) to purchase $250 AA e-gift certs and I have yet to see a confirmed reimbursement in October.

That being said I think it is foolish to order 4 cards and then do 4 x $250 EGC purchases on the same day. Spread them out. Also foolish to risk losing the signup bonus by not netting your credits against the required spend.
i did 2 of my 4 AU’s in October. Received reimbursement on both of them very quick.
akr1970akr likes this.
Shadowfactor is offline  
Old Oct 29, 2019, 7:03 pm
  #2747  
 
Join Date: Aug 2006
Location: ATL, BHM, DUB, County Wexford
Programs: DL DM, AA ExPlt, Diamond HH, HY, BW, & Titanium Elite Marriott
Posts: 4,861
Originally Posted by Boraxo
Umm, in reviewing the most recent posts, several cardholders used AU cards (NOT primary) to purchase $250 AA e-gift certs and I have yet to see a confirmed reimbursement in October.

That being said I think it is foolish to order 4 cards and then do 4 x $250 EGC purchases on the same day. Spread them out. Also foolish to risk losing the signup bonus by not netting your credits against the required spend.
You are right, anyone that is foolish enough and greedy enough to do this, should have their account closed and blacklisted.
EasternTraveler is offline  
Old Oct 30, 2019, 10:52 am
  #2748  
FlyerTalk Evangelist
 
Join Date: Dec 2002
Location: Danville, CA, USA;
Programs: UA 1MM, WN CP, Marriott LT Plat, Hilton Gold, IC Plat
Posts: 15,717
Originally Posted by Shadowfactor
i did 2 of my 4 AU’s in October. Received reimbursement on both of them very quick.
That's fantastic - glad to hear that nothing has changed for the AU credits.

To be fair over time there have always been some reports of delays for posting of credits (both for primary and AU), so we should not read too much into any given data point without knowing all the facts.
akr1970akr likes this.
Boraxo is offline  
Old Oct 30, 2019, 2:22 pm
  #2749  
 
Join Date: Apr 2005
Location: NYC
Posts: 1,756
is the 30K sign on bonus still valid?
yoyo is offline  
Old Oct 30, 2019, 2:49 pm
  #2750  
FlyerTalk Evangelist
 
Join Date: Jul 2006
Location: Upper Sternistan
Posts: 10,031
Originally Posted by yoyo
is the 30K sign on bonus still valid?
Nope. No signup bonus currently.
josephstern is online now  
Old Oct 30, 2019, 4:26 pm
  #2751  
 
Join Date: Dec 2018
Posts: 31
Could you provide your specific dates you purchased the AA GC and when they were reimbursed?
collin_mcclellan1 is offline  
Old Oct 31, 2019, 11:03 am
  #2752  
FlyerTalk Evangelist
 
Join Date: Jul 2006
Location: Upper Sternistan
Posts: 10,031
Can't get into the website beyond the initial page at all.

I thought it was just even slower than the normal slow, but it's basically down.

They should just roll back to the version from the 90s and let it be.
josephstern is online now  
Old Oct 31, 2019, 3:00 pm
  #2753  
 
Join Date: Oct 2019
Posts: 2
What does the AA EGC transaction look like?
I purchased AA ticket from AA website. also purchased EGC from aa.giftcards.com. The description is the same.

AMERICAN AIRxxxxxxxxxxxx AMERICAN AIRLINES
Li Yang is offline  
Old Oct 31, 2019, 3:47 pm
  #2754  
 
Join Date: Jul 2009
Location: Washington, DC
Programs: AA Platinum; WN Companion Pass
Posts: 129
Originally Posted by WAStraveller
Was this an AA EGC?
Yes
hawaii2midtown is offline  
Old Nov 1, 2019, 9:37 am
  #2755  
 
Join Date: Jan 2015
Posts: 1
Just came across this notice of change in program terms from CNB. Can't post URLs so google "crystal2020.pdf" to find it

Looks like $350 credit cap per account is confirmed. No mention of AU fee.
milesforhire likes this.
mb111 is offline  
Old Nov 1, 2019, 10:20 am
  #2756  
 
Join Date: Jun 2019
Posts: 20
Originally Posted by mb111
Just came across this notice of change in program terms from CNB. Can't post URLs so google "crystal2020.pdf" to find it

Looks like $350 credit cap per account is confirmed. No mention of AU fee.
I think that was the sadest thing I have read in a while.
They completely nerfed this card.
thegreatdonut is offline  
Old Nov 1, 2019, 10:22 am
  #2757  
 
Join Date: Apr 2019
Posts: 3
No more guests for Priority Pass.
No more Visa Discount Air Benefit.

Doesn't matter about AU Fee at this point. =(
pekcle is offline  
Old Nov 1, 2019, 10:27 am
  #2758  
 
Join Date: Apr 2019
Posts: 251
Wow, no more $100 Visa Air Discount. No more guest for PP. Airline fee reimbursement $350 for domestic itineraries only. Harsh.
time_stamp is offline  
Old Nov 1, 2019, 10:30 am
  #2759  
FlyerTalk Evangelist
 
Join Date: Jul 2006
Location: Upper Sternistan
Posts: 10,031
Not that anyone would have a hard time with Google, but here's the link:

https://www.cnb.com/content/dam/cnbc...rystal2020.pdf

Also, as pekcle noted, no guests with Priority Pass - $32 each now.
josephstern is online now  
Old Nov 1, 2019, 10:31 am
  #2760  
 
Join Date: Mar 2013
Location: EWR
Programs: World of Hyatt, Marriott Bonvoy, Hilton Honors, UA Mileage Plus
Posts: 1,255
Okay so the changes are awful. Let’s take a look here:

Assuming you can still get the rebate on AA gift cards and can use them that brings the AF down to $50.
You’ll still get 2 Priority Pass cards to cover you and your spouse.
You still get 6 hour trip delay insurance up to $500.
You still get Price Protection.

Likely cancelling once I use my $350 next year.

Assuming my 50k bonus points ever post, I still will get $1350 in GC + 65k points on $6k spend all for a $400 AF. A great haul.
jags86 is offline  


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