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
Jan 27, 2020, 9:34 pm
#3241
Join Date: Jul 2017
Programs: UR, Marriott, AA, WN, Chick Fil A Red
Posts: 182
Such a sad story. We enjoyed it while it lasted. I can't see why would anyone in their right mind keep this card. Devaluated points, crippled benefits, terrible website (The old one was so much better). This turned out to be such a sad story in the end.
This card went from a secret gem to a useless paperweight in a matter of couple months. If, somehow, you still see any use at all for this card, please enlighten me.
This card went from a secret gem to a useless paperweight in a matter of couple months. If, somehow, you still see any use at all for this card, please enlighten me.
Jan 28, 2020, 1:16 am
#3242
Join Date: Apr 2017
Programs: Chase, Amex, Citi, basically all of them
Posts: 72
So same experience as everyone else -
1. legitimate expenses (mainly reward taxes) not reimbursed - one of them was incurred on Jan 2, still no reimbursement
2. spent the $5,000 over Christmas for 10,000 bonus point that still has yet to hit
So sad since it was one of my go-to cards with tons of organic spend. I also have a bank account with them to try to improve my relationship. The 180 overnight, crazy.
1. legitimate expenses (mainly reward taxes) not reimbursed - one of them was incurred on Jan 2, still no reimbursement
2. spent the $5,000 over Christmas for 10,000 bonus point that still has yet to hit
So sad since it was one of my go-to cards with tons of organic spend. I also have a bank account with them to try to improve my relationship. The 180 overnight, crazy.
Jan 28, 2020, 6:27 am
#3243
Join Date: Jan 2020
Posts: 18
They are also spending a considerable amount of money advertising in the NYC Metro market. Presumably this is aimed at wealth management clients, but having this card as a perk to offer would have something for them to consider as an incentive. Now CNB is just like any other bank looking for WM clients, but has nothing special to offer.
Jan 28, 2020, 9:25 am
#3244
Join Date: Jul 2014
Location: Western US
Programs: Costco Executive Member, Amazon Optimus Prime
Posts: 1,251
I agree...
They are also spending a considerable amount of money advertising in the NYC Metro market. Presumably this is aimed at wealth management clients, but having this card as a perk to offer would have something for them to consider as an incentive. Now CNB is just like any other bank looking for WM clients, but has nothing special to offer.
They are also spending a considerable amount of money advertising in the NYC Metro market. Presumably this is aimed at wealth management clients, but having this card as a perk to offer would have something for them to consider as an incentive. Now CNB is just like any other bank looking for WM clients, but has nothing special to offer.
For those who spend 75k+ on CNB they can also sometimes get their AF waived. But I'd rather just have a Plat for airfare, and benefits, and not have to commit so much spend to one system, and unreliable rewards points.
Jan 28, 2020, 3:19 pm
#3246
Join Date: Oct 2018
Posts: 47
Jan 28, 2020, 3:42 pm
#3247
Join Date: Jul 2014
Location: Western US
Programs: Costco Executive Member, Amazon Optimus Prime
Posts: 1,251
They tend to have income/assets and somewhat complicated financial needs that needs customization.
If your suits are custom tailored, and need to be fitted in person, the web site of the tailor isn't so important.
Most of the vocal posters on this thread were never really ideal CNB customers to begin with.
It just took CNB some years to figure that out.
Maybe some of the mass affluent here could have become CNB loyalists over time, and loss leader Crystal was a good enough way to try to get them in the door, but it wasn't used appropriately.
I think their bankers should have been charged for it like a personal marketing budget.
That would have internalized the cost at a local P&L level if they wanted to have such a product as bait for banking biz.
Jan 28, 2020, 7:00 pm
#3248
Join Date: May 2012
Posts: 48
How long for card closure to reflect on CNB system?
I phoned in today to close my CNB Crystal Visa. The rep indicated that the closure would be effective today, and he emailed me to confirm that I had requested card closure today. My AF was scheduled to post this Friday (3 days time). The rep indicated that they would not charge the fee as the card is closed, though I would keep receiving monthly statements till the outstanding balance has been paid off. Any DP's on how long for the CNB online system to show the card status as closed?
Jan 29, 2020, 2:02 am
#3249
Join Date: Dec 2002
Location: Seattle WA
Programs: DL DM, Marriott Titanium, AA PLT for Life
Posts: 398
I did the downgrade in lieu of the cancel. I am fully expecting to fight for the $350 credits over several months before one of us gives up (probably them, I have a very good story behind all of these credits that seems consistent with their very arbitrary — and probably not legal — Change to the T&Cs).
In the meantime, I have a pile of AA gift cards. Phoenix anyone?
In the meantime, I have a pile of AA gift cards. Phoenix anyone?
Jan 29, 2020, 7:14 am
#3250
Join Date: Aug 2005
Location: DFW
Posts: 1,249
I phoned in today to close my CNB Crystal Visa. The rep indicated that the closure would be effective today, and he emailed me to confirm that I had requested card closure today. My AF was scheduled to post this Friday (3 days time). The rep indicated that they would not charge the fee as the card is closed, though I would keep receiving monthly statements till the outstanding balance has been paid off. Any DP's on how long for the CNB online system to show the card status as closed?
My rep said that she had to refer the closure to a different department and could not send an email. Said I would get a letter in mail.
Jan 29, 2020, 7:26 am
#3251
Join Date: Aug 2005
Location: DFW
Posts: 1,249
I did the downgrade in lieu of the cancel. I am fully expecting to fight for the $350 credits over several months before one of us gives up (probably them, I have a very good story behind all of these credits that seems consistent with their very arbitrary — and probably not legal — Change to the T&Cs).
In the meantime, I have a pile of AA gift cards. Phoenix anyone?
In the meantime, I have a pile of AA gift cards. Phoenix anyone?
To receive the statement credit, the Account must be open and in good standing (i.e., not in default) on the date the statement credit is posted to the Account. Please allow 6 to 8 weeks after a Qualifying Airline Purchase is charged for a statement credit to be posted to the Account.
Jan 29, 2020, 7:50 am
#3253
Join Date: May 2005
Location: SEA
Programs: AS; Hyatt Globalist; Hilton Gold; NEXUS
Posts: 979
I did the downgrade in lieu of the cancel. I am fully expecting to fight for the $350 credits over several months before one of us gives up (probably them, I have a very good story behind all of these credits that seems consistent with their very arbitrary — and probably not legal — Change to the T&Cs).
In the meantime, I have a pile of AA gift cards. Phoenix anyone?
In the meantime, I have a pile of AA gift cards. Phoenix anyone?