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 17, 2019, 8:29 pm
#2956
Join Date: May 2005
Location: SEA
Programs: AS; Hyatt Globalist; Hilton Gold; NEXUS
Posts: 979
Per the terms and conditions, page 18 (I have a paper copy of these from my welcome kit):
"You may cancel your Account at any time by providing us written notice at the address stated in your most recent periodic statement or by telephoning us at the phone number stated in your most recent periodic statement."
...
"You must cut all Cards in half and return them to us to the address stated in the most recent periodic statement."
Of course, the statement has multiple addresses, none of which directly relate to cancelling. However, on my the first statement I received from them, it says:
"Except as otherwise provided in this Agreement, you will send any notices to us at City National Bank, P.O. Box 54830, Los Angeles, CA 90054, Attention: Credit Card Operations."
This address is what appears on my most recent statement as the address to send refund requests for overpayment, or to dispute negative credit information reported by CNB. The payment coupon isn't likely the right address... and the Columbus, GA addresses referred to are Tsys' addresses, not CNB's.
I think the easiest route is to call them and hope your banker gets back to you.
"You may cancel your Account at any time by providing us written notice at the address stated in your most recent periodic statement or by telephoning us at the phone number stated in your most recent periodic statement."
...
"You must cut all Cards in half and return them to us to the address stated in the most recent periodic statement."
Of course, the statement has multiple addresses, none of which directly relate to cancelling. However, on my the first statement I received from them, it says:
"Except as otherwise provided in this Agreement, you will send any notices to us at City National Bank, P.O. Box 54830, Los Angeles, CA 90054, Attention: Credit Card Operations."
This address is what appears on my most recent statement as the address to send refund requests for overpayment, or to dispute negative credit information reported by CNB. The payment coupon isn't likely the right address... and the Columbus, GA addresses referred to are Tsys' addresses, not CNB's.
I think the easiest route is to call them and hope your banker gets back to you.
Nov 17, 2019, 8:56 pm
#2957
Join Date: May 2011
Location: Bay Area, CA
Programs: SPG, Hyatt Diamond Member, Club Calrson Silver, AA, Hilton Gold, BA
Posts: 476
i just got my renewed Priority Pass in the mail for next year. If I cancel the card, will it also cancel my PP or do i get to use it for a full year?
Nov 17, 2019, 10:21 pm
#2958
Join Date: Apr 2017
Posts: 471
Nov 18, 2019, 1:08 am
#2959
Join Date: Sep 2005
Posts: 26
Nov 18, 2019, 3:36 am
#2960
Join Date: Jun 2004
Location: BOS
Programs: AA Plat
Posts: 302
Just received email notice that Amazon cards are back ordered and expected to arrive December 11. That’s too late for me (after AF posts) so I will see if I can cancel the order and just take statement credits. Not optimistic give what I’ve experienced with other requests to CNB.
This changed my card strategy (one AF due in Nov, one AF due in Dec). The one due in Nov has the most points (80k+), and will likely keep for another year with $50 out of pocket fee. Probably can make the use of points better outweighing the costs. For the one due in Dec, plan to use the points soon (once i get them back) on a hotel booking in the near future, which the booking would be immediate, and cancel).
Nov 18, 2019, 8:48 am
#2962
Join Date: Mar 2013
Location: EWR
Programs: World of Hyatt, Marriott Bonvoy, Hilton Honors, UA Mileage Plus
Posts: 1,255
Takes a few business days but you shouldn’t have to wait long. My guess it will show up no later than Wednesday.
Nov 18, 2019, 11:28 am
#2963
Join Date: Apr 2016
Posts: 706
Just received email notice that Amazon cards are back ordered and expected to arrive December 11. That’s too late for me (after AF posts) so I will see if I can cancel the order and just take statement credits. Not optimistic give what I’ve experienced with other requests to CNB.
Same thing happened to us across two accountds. Amazon GC backordered in to Dec with annual fee due on Nov. Called to cancel the orders. The agent needs to fill out a cancellation form and someone else will need to review (!!). One agent told me it should be reviewed today and points will be back immediately. The other agent said this will take 3-5 business days. Will report back the timing of points being back.
This changed my card strategy (one AF due in Nov, one AF due in Dec). The one due in Nov has the most points (80k+), and will likely keep for another year with $50 out of pocket fee. Probably can make the use of points better outweighing the costs. For the one due in Dec, plan to use the points soon (once i get them back) on a hotel booking in the near future, which the booking would be immediate, and cancel).
This changed my card strategy (one AF due in Nov, one AF due in Dec). The one due in Nov has the most points (80k+), and will likely keep for another year with $50 out of pocket fee. Probably can make the use of points better outweighing the costs. For the one due in Dec, plan to use the points soon (once i get them back) on a hotel booking in the near future, which the booking would be immediate, and cancel).
Per a comment on frequentmiler, you should still get the amazon gc.
https://frequentmiler.boardingarea.c...-visa-infinite
When I called CNB rewards centre, they told me the same thing about back-ordered. However, he said it does not matter if I cancel the card before I receive the Amazon GC. The only change would be that they will not be able to look into my account. This should not affect the GC as they have already been ordered and CNB points have been used.
Nov 18, 2019, 12:16 pm
#2964
Join Date: May 2008
Programs: AA PLT 2MM
Posts: 2,026
I just got off the phone with a concierge and was told something slightly different. I wanted to both apply the $100 discount and use points. She said that there is currently a system upgrade that is preventing them from seeing our points so they are unable to book it but can transfer to their travel team who would be able to book using points but would not be able to apply the $100 discount. I asked both whether the “system upgrade” was something short term and also whether they would normally be able to book the discount + points. She said they could normally do this and that I should try calling back tomorrow, but really didn’t have any idea how long the “upgrade” would take.
I myself was also transferred to travel team, but, they have inflated prices over their website, and of course no 'pay with card and then get statement credit with points' feature.
At any rate, would love to hear that this is temporary and everything will be restored, but, I highly doubt it. Ultimately I needed to book the flight and the online pricing at least gave best redemption value available for the points as of last week -- and I've got a bunch of points I need to redeem within the next ~45 days.
Nov 18, 2019, 2:13 pm
#2965
Join Date: Oct 2007
Programs: AA, WN, UA, Bonvoy, Hertz
Posts: 2,491
i can understand they want to rid themselves of a large group of customers (locusts) but it seems like it would have been easier to do some profitability analysis of their clients, and simply not renew cards that way. i realize that is painful, but its not like this method doesn't have some long term costs too. we're actual real CNB bank customers and don't love what is happening....
This also bodes badly for the Infinite brand. Not that it was easy to get into one of these cards from an AF perspective, but the benefits are getting paired back pretty fast.
On the idea of building a card from the beginning that an issuer can live with, Barclays tried that with Arrival Premier, but it doesn't work in today's market.
AmEx has also done a lot of bad stuff recently to Platinum and Centurion. So, if Chase decides to make changes to CSR, then I don't think there will be much allowed to have high ROI versus the high AF.
Nov 18, 2019, 2:14 pm
#2966
Join Date: Jan 2016
Posts: 4
CNB sucks. I cant believe how difficult it is to cancel this card. For some reason their customer service reps cant close it. They have to notify your "relationship manager." I told them how can I have a relationship manager without even knowing their name. What kind of relationship is that. lol. Anyways, they sent an inquiry to my relationship manager and he/she hasnt called me in two weeks. sigh
Nov 18, 2019, 3:28 pm
#2967
Join Date: Apr 2008
Location: MSP
Programs: Delta SkyMiles GM/United Mileage Plus/Hilton Honors
Posts: 166
There truly must be some way to cancel this card without contacting a specific person.
There must be some postal address to which a certified letter can be sent or something. I know the CFPB has been gutted, but I'd think there's some regulation on the books about proper notice to close a credit account before fees are due.
There must be some postal address to which a certified letter can be sent or something. I know the CFPB has been gutted, but I'd think there's some regulation on the books about proper notice to close a credit account before fees are due.
Nov 19, 2019, 3:35 am
#2968
Join Date: Jun 2004
Location: BOS
Programs: AA Plat
Posts: 302
Per a comment on frequentmiler, you should still get the amazon gc.
https://frequentmiler.boardingarea.c...-visa-infinite
https://frequentmiler.boardingarea.c...-visa-infinite
Nov 19, 2019, 3:37 am
#2969
Join Date: Jun 2004
Location: BOS
Programs: AA Plat
Posts: 302
Same thing happened to us across two accountds. Amazon GC backordered in to Dec with annual fee due on Nov. Called to cancel the orders. The agent needs to fill out a cancellation form and someone else will need to review (!!). One agent told me it should be reviewed today and points will be back immediately. The other agent said this will take 3-5 business days. Will report back the timing of points being back.
This changed my card strategy (one AF due in Nov, one AF due in Dec). The one due in Nov has the most points (80k+), and will likely keep for another year with $50 out of pocket fee. Probably can make the use of points better outweighing the costs. For the one due in Dec, plan to use the points soon (once i get them back) on a hotel booking in the near future, which the booking would be immediate, and cancel).
This changed my card strategy (one AF due in Nov, one AF due in Dec). The one due in Nov has the most points (80k+), and will likely keep for another year with $50 out of pocket fee. Probably can make the use of points better outweighing the costs. For the one due in Dec, plan to use the points soon (once i get them back) on a hotel booking in the near future, which the booking would be immediate, and cancel).