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

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

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Old Nov 1, 19, 4:44 am   -   Wikipost
Please read: This is a community-maintained wiki post containing the most important information from this thread. You may edit the Wiki once you have been on FT for 90 days and have made 90 posts.
 
Last edit by: ukinny2000
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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:

  • $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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Old Dec 2, 19, 6:40 pm
  #3031  
 
Join Date: Nov 2013
Programs: AS Gold, Hyatt Diamond, Starriott LTPP
Posts: 250
Originally Posted by jags86 View Post
It says the additional card fee will be charged in the month the additional card was issued. If you added your additional card say January 15, 2019, expect to be charged $95 in January 2020.

If you added your card on say August 15, 2018, expect the the $95 to be charged in August 2020.
In your second example about August.... Technically, isn't the month it was issued August 2018, and so you would be charged as soon as January 1, 2020, when the new policy takes effect?

I'm planning to call in to clarify this if we don't get a consensus answer here.
soartoday is offline  
Old Dec 3, 19, 8:45 am
  #3032  
 
Join Date: Mar 2013
Posts: 484
Originally Posted by soartoday View Post
In your second example about August.... Technically, isn't the month it was issued August 2018, and so you would be charged as soon as January 1, 2020, when the new policy takes effect?

I'm planning to call in to clarify this if we don't get a consensus answer here.
It says “The Additional Card Fee will be posted to your Account in the month the additional Card was issued...” So no, you will not be charged in January unless your card was issued in January. You will be charged in the month it was issued, which in my example would be August. If your primary card renews in January, I would expect to be charged $400 in January, then $95 in August for the additional user, just as AMEX does with its Platinum card and AUs. I mean by all means call, but the language is very clear and I suspect front line agents will not be able to answer the question consistently. I.E. if you call 5 times and ask the same question to 5 different agents, you’ll get more than 1 answer.
jags86 is offline  
Old Dec 3, 19, 8:49 am
  #3033  
 
Join Date: Mar 2013
Posts: 484
I would just like to add that I received in the mail yesterday a letter from CNB saying that

”It’s a pleasure to have you as a Crystal Visa Infinite cardholder and we hope you are enjoying its many advantages...”. Such as:

Priority Pass Select with 2 unlimited guests with no access fees
$250 Airline Incidental Fees Statement Credit per card, per calendar year

I’m curious if folks still in year 1 of their membership as of January 1, 2020 will retain their old benefits through their anniversary date. Perhaps there is a legal issue with them changing? I have not received any notification of account changes other than the found links seen on FT.

When Barclays nerfed the Uber Card folks got to keep their 4% on dining until their 1 year account anniversary....perhaps us year 1ers will still have the last laugh yet? Or is this simply City being the alliterative word for poop?
jags86 is offline  
Old Dec 3, 19, 8:53 am
  #3034  
 
Join Date: Jul 2006
Location: Upper Sternistan
Posts: 7,689
I'm still in my first year, and I got the information about the benefit changes.
josephstern is offline  
Old Dec 3, 19, 10:08 am
  #3035  
 
Join Date: Jul 2014
Location: Western US
Programs: Costco Executive Member, Amazon Optimus Prime
Posts: 886
I checked with my banker about a down grade to the no AF Visa Signature - mostly because I have some travel for next year already booked on the Crystal - and he said the back office is not allowing downgrades. I'm an actual real customer too using their banking products. They really are firing legit customers along with the churners. I guess I'll clear out the points, book one last hurrah with VADB, and then cancel - taking my chances that the prepaid travel will be ok. It does suck to lose the travel protection on those trips though, since I'm pretty sure you have to be a current card holder to submit a trip delay claim.
akr1970akr is offline  
Old Dec 3, 19, 12:29 pm
  #3036  
 
Join Date: Apr 2002
Posts: 2,227
Does anyone have an email address for the Rewards Center?
TTT103 is offline  
Old Dec 4, 19, 10:48 am
  #3037  
 
Join Date: Jul 2014
Location: Western US
Programs: Costco Executive Member, Amazon Optimus Prime
Posts: 886
Originally Posted by Mileage Fanatic View Post
What are people doing to completely zero out the balance? Most redemption options have a set point amount meaning you will always have some “left over” balance.

Is it only flights where you can completely empty it out using any point amount?

Thanks!
I was checking a few hotel redemptions to sweep out my points using pre paids. The CNB portal seems to be marking up stays by $45 vs. loyalty chains member rates. I can't tell if that is a per night markup or a per stay markup since I'm only checking a few airports single night stays, but if so that pretty much negates the 1.2 cpp value for redemptions through their portal, if you want to do it online. I guess you could call in to the concierge for 1.1 cpp but that takes a little more time, and frankly for someone who is cancelling, and needs to do this quickly, that may not work. My experience with concierge redemptions for points is that the points take a long time to be debited from the account and turned into a statement credit.

It's pretty crappy if you are just looking for a $80 Best Western before an early morning flight.....
akr1970akr is offline  
Old Dec 5, 19, 6:03 am
  #3038  
 
Join Date: Jun 2004
Location: BOS
Programs: AA Plat
Posts: 259
Originally Posted by TTT103 View Post
Does anyone have an email address for the Rewards Center?
[email protected]
shihyin is offline  
Old Dec 5, 19, 6:11 am
  #3039  
 
Join Date: Jun 2004
Location: BOS
Programs: AA Plat
Posts: 259
My annual fee is due on December, and I am thinking of booking tours (~1cpp value) for an upcoming trip in December, but likely need to cancel the card before the tour happens. Anyone has any issue maintaining their travel reservation without the card?
shihyin is offline  
Old Dec 5, 19, 11:06 am
  #3040  
 
Join Date: Apr 2002
Posts: 2,227
Originally Posted by shihyin View Post
Thank you -- I appreciate it.
TTT103 is offline  
Old Dec 5, 19, 3:42 pm
  #3041  
 
Join Date: Jul 2017
Programs: UR, Marriott, AA, WN, Chick Fil A Red
Posts: 179
I'm sitting at 4 weeks for a concierge points redemption to be debited from points balance or credited to my cc account--is this what to expect now? Tempted to call but don't want attention.
NeGourmand is offline  
Old Dec 6, 19, 10:26 am
  #3042  
 
Join Date: Jul 2014
Location: Western US
Programs: Costco Executive Member, Amazon Optimus Prime
Posts: 886
Originally Posted by NeGourmand View Post
I'm sitting at 4 weeks for a concierge points redemption to be debited from points balance or credited to my cc account--is this what to expect now? Tempted to call but don't want attention.
has your 'stay' or travel event happened? normally they post afterwards.
akr1970akr is offline  
Old Dec 6, 19, 10:28 am
  #3043  
 
Join Date: Jul 2014
Location: Western US
Programs: Costco Executive Member, Amazon Optimus Prime
Posts: 886
I made a points redemption for a statement credit. it took two biz days to hit the account. for those whose AF is kicking in at end of month, and don't plan on keeping it, its a pretty fast (if inefficient) way to clean out residual points. I realize travel or gc might lead to slightly better value, but if there is glitches with those, it would be tougher to resolve once no longer a card member.
akr1970akr is offline  
Old Dec 6, 19, 4:21 pm
  #3044  
 
Join Date: Dec 2015
Programs: AA EXP, UA Silver, Marriott Plat, SPG Plat, IHG Plat, Hilton Gold, Hyatt Discoverist
Posts: 64
The thing is, you probably have to zero it out with spend before the deadline, right? I imagine they won't just let you cash it out.
gizayabasu is offline  
Old Dec 6, 19, 6:52 pm
  #3045  
 
Join Date: Dec 2015
Posts: 2
AU account, bought $250 in October, still waiting for the reimbursement...
Riemann is offline  

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