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
Nov 1, 2019, 11:17 am
#2762
Join Date: Mar 2017
Location: USA
Programs: AA Gold, Hyatt Globalist, Hilton Diamond
Posts: 310
In addition to removing the $100 Visa Air discount, all Priority Pass guests, and changing the Airline Credit benefit; it looks like they're also taking away 3x Gas and Grocery. This is a slaughter.
Nov 1, 2019, 11:26 am
#2763
FlyerTalk Evangelist
Join Date: Jul 2006
Location: Upper Sternistan
Posts: 10,044
The one bright spot for me here is Gogo, but I'm not sure that'll make this worthwhile, especially considering the grocery loss and the recent point devaluation.
Even if I'd do OK with it, is it worth having a card account to just do OK? I don't think so.
Even if I'd do OK with it, is it worth having a card account to just do OK? I don't think so.
Nov 1, 2019, 11:28 am
#2764
Join Date: Jun 2019
Posts: 20
In addition to removing the $100 Visa Air discount, all Priority Pass guests, and changing the Airline Credit benefit; it looks like they're also taking away 3x Gas and Grocery. This is a slaughter.
Nov 1, 2019, 11:40 am
#2765
Join Date: Jul 2014
Location: Western US
Programs: Costco Executive Member, Amazon Optimus Prime
Posts: 1,251
Surprisingly, the one benefit cut that really stings for me is the loss of Visa Air Discount.
That is something I cannot get from other cards.
All the other stuff I can mostly tolerate, because I have alternatives.
I put a lot of my non bonused spend on this card to 'reward' them for being such a great card.
That's going to be redirected, as well as whether I even keep my CNB bank accounts.
I'll evaluate later over the next 6 weeks.
It was great while it lasted.
Nov 1, 2019, 11:45 am
#2766
FlyerTalk Evangelist
Join Date: Dec 2002
Location: Danville, CA, USA;
Programs: UA 1MM, WN CP, Marriott LT Plat, Hilton Gold, IC Plat
Posts: 15,722
Old CNB Card:
2 x $250 airline rebate = $500
PP unlimited guests = $200
Global Entry rebate = $25
Total Value = $725
New CNB Card:
Airline rebates = $350
PP = $0 (already have 3 other cards which allow me 2 guests)
GE rebate = $25 (but just used this so really $0 for next 3 years)
Total Value = $375
I can handle the adjustment in airline fees but gutting every single other benefit of value tells me that I am not valued as a customer.
May keep this card into 2020 as I will need some time to spend my 100k CNB points balance and to find another card for cellphone insurance and grocery spend.
Very foolish of CNB to spend all this money to attract customers and then lose them. The exact opposite of what Chase did with CSR.
We spend 20k/year on groceries, was planning to make this my primary backup card for travel and other spend. CNB just flushed it all.
Gracias adios CNB!
Last edited by Boraxo; Nov 1, 2019 at 12:11 pm
Nov 1, 2019, 11:48 am
#2767
Join Date: Jan 2016
Posts: 4
Just called the 1-800 number to cancel my account, as the AF will be posting in the next couple of weeks. Rep asked for the reasons (she has to send email to local bank representative) for the cancellation. She asked was it the change in benefits or new $95 AU AF? I hadn't heard about the AU AF change yet, but nonetheless told her it was for both of those reasons.
Nov 1, 2019, 11:54 am
#2769
FlyerTalk Evangelist
Join Date: Jul 2006
Location: Upper Sternistan
Posts: 10,044
Just called the 1-800 number to cancel my account, as the AF will be posting in the next couple of weeks. Rep asked for the reasons (she has to send email to local bank representative) for the cancellation. She asked was it the change in benefits or new $95 AU AF? I hadn't heard about the AU AF change yet, but nonetheless told her it was for both of those reasons.
Are they pro-rating the annual fee if you can short of the year?
Nov 1, 2019, 11:56 am
#2770
Join Date: Jan 2016
Posts: 4
I do not know. Since my AF was posting very soon, all I asked was that if it did post before the local banker cancelled the card, would it be refunded, which she said it would.
Nov 1, 2019, 12:04 pm
#2771
Join Date: Mar 2017
Location: USA
Programs: AA Gold, Hyatt Globalist, Hilton Diamond
Posts: 310
It's so difficult to deal with this issuer - web site, payments etc. - that that its hard to justify keeping a 'flat' value card around.
Surprisingly, the one benefit cut that really stings for me is the loss of Visa Air Discount.
That is something I cannot get from other cards.
All the other stuff I can mostly tolerate, because I have alternatives.
I put a lot of my non bonused spend on this card to 'reward' them for being such a great card.
That's going to be redirected, as well as whether I even keep my CNB bank accounts.
I'll evaluate later over the next 6 weeks.
It was great while it lasted.
Surprisingly, the one benefit cut that really stings for me is the loss of Visa Air Discount.
That is something I cannot get from other cards.
All the other stuff I can mostly tolerate, because I have alternatives.
I put a lot of my non bonused spend on this card to 'reward' them for being such a great card.
That's going to be redirected, as well as whether I even keep my CNB bank accounts.
I'll evaluate later over the next 6 weeks.
It was great while it lasted.
You are exactly right. It isn't worth dealing with them for just an okay card. Their website is bad and even applying for the card was a task. Reliance on your banker to do something as elementary as adding an AU is horrible. It was worth putting up with when the incentives were there but no more. Ready to cancel this card.
Nov 1, 2019, 12:06 pm
#2773
Join Date: Feb 2019
Posts: 11
This is crazy! Removing basically every benefit of the card and adding a $95AU fee?! No way I'm paying $685 for a Priority Pass, $350 baggage credits, and Gogo wifi.
CNB really bonvoyed this.
CNB really bonvoyed this.
Last edited by D_Bo; Nov 1, 2019 at 12:23 pm
Nov 1, 2019, 12:12 pm
#2774
FlyerTalk Evangelist
Join Date: Jul 2006
Location: Upper Sternistan
Posts: 10,044
I understand that the way things were, it was unsustainable. But this was too much, too fast and it is bad PR. I suspect they will lose money on this decision as well. Stopped the bleeding but caused more issues by this shotgun-blast approach.
You are exactly right. It isn't worth dealing with them for just an okay card. Their website is bad and even applying for the card was a task. Reliance on your banker to do something as elementary as adding an AU is horrible. It was worth putting up with when the incentives were there but no more. Ready to cancel this card.
You are exactly right. It isn't worth dealing with them for just an okay card. Their website is bad and even applying for the card was a task. Reliance on your banker to do something as elementary as adding an AU is horrible. It was worth putting up with when the incentives were there but no more. Ready to cancel this card.
So they could have conditioned perks or fee waivers on having a balance of $3M or some number. Annual fee is now $1000, but waived if you have $XM on deposit, for example. Something. This is a slaughter.
Nov 1, 2019, 1:07 pm
#2775
Join Date: Jul 2014
Location: Western US
Programs: Costco Executive Member, Amazon Optimus Prime
Posts: 1,251
Feels like they could have taken an approach that would help them better accomplish what I understood to be their goals: getting HNWIs as their clients.
So they could have conditioned perks or fee waivers on having a balance of $3M or some number. Annual fee is now $1000, but waived if you have $XM on deposit, for example. Something. This is a slaughter.
So they could have conditioned perks or fee waivers on having a balance of $3M or some number. Annual fee is now $1000, but waived if you have $XM on deposit, for example. Something. This is a slaughter.
Schwab makes it work with their Plat as do other firms.
I think ultimately CNB must have lost so much money on Crystal product line that need to reboot, and getting the customers to close the accounts may be easier than closing accounts proactively.
Or they could shift to a model of soft, undeclared benefits doled out by the bankers - i.e. quiet fee waivers or something.
So the card is truly a reward for their core banking clientele, rather than bait & switch stuff for churners.