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 6, 2019, 2:45 pm
#2867
Join Date: Aug 2006
Location: ATL, BHM, DUB, County Wexford
Programs: DL DM, AA ExPlt, Diamond HH, HY, BW, & Titanium Elite Marriott
Posts: 4,864
I doubt they can do that. (Note I am not an expert on this, so take it for what it's worth)
Say your bank increases the annual fee of X card from $100 to $150. They can't come in January and charge you the $50 difference if you already paid in December. Unlike benefits, credit card fees are regulated so banks are not allowed to do bait and switch with the fees. "sign up for this $0 annual fee card" and 3 months later you get charged an annual fee.
In this case, the bank can't tell you "AUs are free" and then half way through your membership year send you a bill for the AUs. When the year is up, and after proper communication from the bank, 100% they can start charging you $1MM per AU if they want.
Say your bank increases the annual fee of X card from $100 to $150. They can't come in January and charge you the $50 difference if you already paid in December. Unlike benefits, credit card fees are regulated so banks are not allowed to do bait and switch with the fees. "sign up for this $0 annual fee card" and 3 months later you get charged an annual fee.
In this case, the bank can't tell you "AUs are free" and then half way through your membership year send you a bill for the AUs. When the year is up, and after proper communication from the bank, 100% they can start charging you $1MM per AU if they want.
Nov 6, 2019, 3:32 pm
#2868
Join Date: Sep 2018
Posts: 80
Actually they can change the terms during the period by notification. They have to offer to terminate the AU's or you will be charged. Not that it is a good idea or a fair idea. But I have seen it done by more than one bank in my time. Citi for one did it with the Chairman card. Others have done similar. If you have AU's and do not want to get charged, just cancel in December and make sure your banker gets it done before Christmas. After, they become hard to reach until about the 10th of the month. YMMV
It would be a losing battle for the bank. Imagine thousands of customers bringing this to small claims courts all over the country. I just imagine this happening in a court:
Bank: I am going to start charging for AU. I am giving customers until Jan 31st to cancel their AU cards if they don't want to get charged for them
Customer: I see. However, I paid you $400 for the whole year with the understanding that those $400 included access to my AU as seen on your fee chart
Bank: yes. We decided to change it mid way.
Customer: So you bait and switched?
Bank: .... No, remember, you can always cancel!!!
Customer argues: Ok. If I cancelled, would you refund the portion of the AF for the months I dont use? (given that it's you who is creating this whole situation)
BanK: erm....NO
Customer: so you're basically raising my fee, forcing me to pay for it OR if I want to cancel you wont give my money back? all of this because you feel "you can"?
Bank: Well, kinda.
Judge: Customer wins the case.. blah blah blah.
Last edited by jrc87; Nov 6, 2019 at 3:42 pm
Nov 6, 2019, 4:10 pm
#2869
Join Date: Mar 2013
Location: EWR
Programs: World of Hyatt, Marriott Bonvoy, Hilton Honors, UA Mileage Plus
Posts: 1,255
Personally I’d be happy to dump all the AUs if I can get the $350 reimbursement on the primary card in January and then dumping the card completely afterwards.
Nov 7, 2019, 6:34 am
#2870
Join Date: Aug 2006
Location: ATL, BHM, DUB, County Wexford
Programs: DL DM, AA ExPlt, Diamond HH, HY, BW, & Titanium Elite Marriott
Posts: 4,864
That is the simple solution for all of the people with fake AU's or sock drawer AU's (fake) or those that will not use them anymore.
Nov 7, 2019, 10:12 am
#2871
Join Date: Sep 2018
Posts: 80
Why pay extra for that? Get a different card with useful benefits and ditch CNB.
Nov 7, 2019, 4:17 pm
#2874
Join Date: Aug 2006
Location: ATL, BHM, DUB, County Wexford
Programs: DL DM, AA ExPlt, Diamond HH, HY, BW, & Titanium Elite Marriott
Posts: 4,864
Nov 7, 2019, 6:17 pm
#2876
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
So for this like me who are planning the exit strategy it appears there are a number of gift card options from various retail, dining and online merchants where you get a $100 GC for 11k points. This is a slightly better deal than the CNB statement credit.
I see not reason to pay $50 to keep this account open for another year - who knows what will happen to airfare redemptions. The casino pit bosses and dealers are always shocked when I cash out my chips after a nice run but I never have any regrets.
I see not reason to pay $50 to keep this account open for another year - who knows what will happen to airfare redemptions. The casino pit bosses and dealers are always shocked when I cash out my chips after a nice run but I never have any regrets.
Nov 8, 2019, 1:10 am
#2877
Join Date: Dec 2007
Posts: 120
I wonder if this card is worth keeping for an effective $50 fee given the price protection benefit is staying in place? Has anyone used it? I really miss Citi Price Rewind for all the hot deal hijinks that enabled, especially now that CA sales tax is collected by most merchants.
Also, I just got notice from them that Amazon gift cards are out of stock and will likely not be fulfilled until 12/5. Just cancelling before I have the gift cards is too high risk given the points balance, so it seems I have signed up for another year!
Also, I just got notice from them that Amazon gift cards are out of stock and will likely not be fulfilled until 12/5. Just cancelling before I have the gift cards is too high risk given the points balance, so it seems I have signed up for another year!
Nov 8, 2019, 5:47 am
#2878
Join Date: Apr 2002
Posts: 2,949
I completely agree, and had planned on cancelling the card when the annual fee bills in a few weeks; however, I can't justify losing a few thousand dollars in travel by either cashing my points out for GC's or taking the statement credits. I'll likely pay the net of $50 annual fee for another year in order to maintain the 1.1+ value of the points towards travel. My problem is that I've hoarded far too many points.
Nov 8, 2019, 8:44 am
#2880
Join Date: Mar 2013
Location: EWR
Programs: World of Hyatt, Marriott Bonvoy, Hilton Honors, UA Mileage Plus
Posts: 1,255
I wonder if this card is worth keeping for an effective $50 fee given the price protection benefit is staying in place? Has anyone used it? I really miss Citi Price Rewind for all the hot deal hijinks that enabled, especially now that CA sales tax is collected by most merchants.
Also, I just got notice from them that Amazon gift cards are out of stock and will likely not be fulfilled until 12/5. Just cancelling before I have the gift cards is too high risk given the points balance, so it seems I have signed up for another year!
Also, I just got notice from them that Amazon gift cards are out of stock and will likely not be fulfilled until 12/5. Just cancelling before I have the gift cards is too high risk given the points balance, so it seems I have signed up for another year!
Citi Price Rewind was found money. Let’s say I bought 25 little widgets form Lowes for $4 or $5 each. I could input them all and then 2 months later I would find I got $1-$2 back on each.
I’m not hunting for a lower price on a wrench or a screwdriver.