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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 Nov 20, 2019, 7:31 pm
  #2986  
 
Join Date: May 2005
Location: SEA
Programs: AS; Hyatt Globalist; Hilton Gold; NEXUS
Posts: 979
Originally Posted by akr1970akr
Just had another AS inflight food purchase credit , 7 days later'

still waiting on a DL from last month
Sadly I've never had any of my DL charges (food, Comfort+ upgrades, baggage, etc) work automatically.
sullim4 is offline  
Old Nov 21, 2019, 9:45 am
  #2987  
 
Join Date: Jul 2014
Location: Western US
Programs: Costco Executive Member, Amazon Optimus Prime
Posts: 1,251
Originally Posted by sullim4
Sadly I've never had any of my DL charges (food, Comfort+ upgrades, baggage, etc) work automatically.
Did you call in to have it manually adjusted or did you just ignore it? If calling in, how painful was the process?

I'm assuming its sort of the same tech back bone as the Chase Visa Infinite Ritz Carlton, but that one IIRC is all manual

Over the last few months I've noticed that calling in to CNB for any service related item has been getting harder, with longer delays.
akr1970akr is offline  
Old Nov 21, 2019, 11:00 am
  #2988  
 
Join Date: Nov 2010
Location: SFO
Programs: AS AA
Posts: 205
Originally Posted by victoras
Yes, it's the statement credit. I had like 8994 points. Bought something small at a grocery store last week to hit 9000 points, so redeemed it for 3 x $25 statement credits.
Do the points post to the reward account after the transaction or you have to wait after the monthly statement closes?
alfrie is offline  
Old Nov 21, 2019, 11:01 am
  #2989  
 
Join Date: Sep 2018
Posts: 80
Originally Posted by alfrie
Do the points post to the reward account after the transaction or you have to wait after the monthly statement closes?
They post a few days after the transaction.
jrc87 is offline  
Old Nov 21, 2019, 12:34 pm
  #2990  
 
Join Date: Nov 2010
Location: SFO
Programs: AS AA
Posts: 205
Originally Posted by jrc87
They post a few days after the transaction.
Thanks! That's good to know. My statement (with annual fee) will close in two weeks. I plan to round up the points balance to make a redemption before the fee hits.
alfrie is offline  
Old Nov 21, 2019, 1:24 pm
  #2991  
 
Join Date: Dec 2018
Programs: MR
Posts: 15
Originally Posted by alfrie
Thanks! That's good to know. My statement (with annual fee) will close in two weeks. I plan to round up the points balance to make a redemption before the fee hits.
My statement closed on 11/13 but my annual fee was charged on 10/31.

Check last years statement when the fee hit. I dont think it hits the same day as annual fee.
big_guy is offline  
Old Nov 21, 2019, 8:33 pm
  #2992  
 
Join Date: Apr 2016
Posts: 706
Originally Posted by big_guy
My statement closed on 11/13 but my annual fee was charged on 10/31.

Check last years statement when the fee hit. I dont think it hits the same day as annual fee.
So the annual fee will hit the same day it hit last year, is what you are saying?
Soccerjoshj07 is offline  
Old Nov 21, 2019, 9:43 pm
  #2993  
 
Join Date: May 2005
Location: SEA
Programs: AS; Hyatt Globalist; Hilton Gold; NEXUS
Posts: 979
Originally Posted by akr1970akr
Did you call in to have it manually adjusted or did you just ignore it? If calling in, how painful was the process?

I'm assuming its sort of the same tech back bone as the Chase Visa Infinite Ritz Carlton, but that one IIRC is all manual

Over the last few months I've noticed that calling in to CNB for any service related item has been getting harder, with longer delays.
I didn't bother. The only person I found that could actually do anything with my account was my banker... which for inane things like this, is a waste of his time.
sullim4 is offline  
Old Nov 21, 2019, 11:13 pm
  #2994  
 
Join Date: Mar 2005
Location: NYC
Programs: United 1P
Posts: 688
For the new additional card fee, will it be charged to my account on Jan 1, or on my annual date?
kgkg is offline  
Old Nov 22, 2019, 6:28 am
  #2995  
 
Join Date: Apr 2002
Posts: 2,949
Originally Posted by Soccerjoshj07
So the annual fee will hit the same day it hit last year, is what you are saying?
I hope so, as mine posted on 12/31 last year. One more day, and I'll be whacked with the additional fees for my AU's.
TTT103 is offline  
Old Nov 22, 2019, 10:58 am
  #2996  
 
Join Date: Jul 2014
Location: Western US
Programs: Costco Executive Member, Amazon Optimus Prime
Posts: 1,251
Originally Posted by sullim4
I didn't bother. The only person I found that could actually do anything with my account was my banker... which for inane things like this, is a waste of his time.
Thanks. I called in and asked their ops team to see if it could be manually credited. They will probably reject it.

I've noticed that calling in now and getting a rep is taking a 5-10 minutes now.

Before it used to be instant pick up the phone.

I'm having a hard time seeing the value in this card for next year, given my other cards.

Even the potential for the Lounge Benefit from Visa - for the one I might consider - isn't all that impressive considering my other (cheaper) ways of getting that.
akr1970akr is offline  
Old Nov 22, 2019, 12:12 pm
  #2997  
 
Join Date: Aug 2003
Location: CHS
Posts: 145
Originally Posted by akr1970akr
Thanks. I called in and asked their ops team to see if it could be manually credited. They will probably reject it.

I've noticed that calling in now and getting a rep is taking a 5-10 minutes now.

Before it used to be instant pick up the phone.

I'm having a hard time seeing the value in this card for next year, given my other cards.

Even the potential for the Lounge Benefit from Visa - for the one I might consider - isn't all that impressive considering my other (cheaper) ways of getting that.
Which other cheaper way? (PP?)
WAStraveller is offline  
Old Nov 22, 2019, 12:28 pm
  #2998  
 
Join Date: Nov 2018
Posts: 26
[QUOTEThey mislead you, the 250 credit per card is going by by for everyone on 1/1][/QUOTE]

You are correct. I double-checked with my "relationship manager" and all of the old benefits are going away on 1/1/2020, regardless of when your card last renewed. Only the new charge for the AU cards will occur upon your next renewal. So, bye-bye City National Crystal Visa card; it was good while it lasted.
fredwooch is offline  
Old Nov 22, 2019, 1:29 pm
  #2999  
 
Join Date: Aug 2003
Location: CHS
Posts: 145
Originally Posted by fredwooch
[QUOTEThey mislead you, the 250 credit per card is going by by for everyone on 1/1]
You are correct. I double-checked with my "relationship manager" and all of the old benefits are going away on 1/1/2020, regardless of when your card last renewed. Only the new charge for the AU cards will occur upon your next renewal. So, bye-bye City National Crystal Visa card; it was good while it lasted.[/QUOTE]
So what do you get as the primary card holder on 1/1?
WAStraveller is offline  
Old Nov 22, 2019, 1:30 pm
  #3000  
 
Join Date: Jul 2014
Location: Western US
Programs: Costco Executive Member, Amazon Optimus Prime
Posts: 1,251
Originally Posted by WAStraveller
Which other cheaper way? (PP?)
I could sort of use Alaska Board membership, but I could just get an AA Exec card and get access to most of the lounges.

But even then...I'm not sure how much we'd really use that....and with the Alaska card can get in for $25 anyways if there is some kind of flight delay.

Mostly I don't have long enough connections that merit lounge visits as we're mostly Western leisure travelers.

And we very much look for directs anyways out of our non hub airport.
akr1970akr is offline  


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