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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 Oct 9, 2020, 2:26 pm
  #3556  
 
Join Date: Jul 2014
Location: Western US
Programs: Costco Executive Member, Amazon Optimus Prime
Posts: 1,251
Originally Posted by popomama
Anyone had luck to get any kind of retention offer?
They used to offer them if you asked and your spend was over 75k.
akr1970akr is offline  
Old Oct 13, 2020, 3:38 pm
  #3557  
 
Join Date: Nov 2017
Location: JFK/EWR/SFO/LAX/YYZ <-> HKG, PEK, CKG
Programs: CX, Hyatt
Posts: 155
While preparing to cancel, received a survey - possible they're considering boosting perks in the future.
PacificSunrise is offline  
Old Oct 13, 2020, 3:52 pm
  #3558  
 
Join Date: Mar 2011
Location: NY, NY
Posts: 695
Originally Posted by PacificSunrise
While preparing to cancel, received a survey - possible they're considering boosting perks in the future.
too late for me - I cancelled my card after cashing out my points last month. It was a good run whilst it lasted
ukinny2000 is offline  
Old Oct 13, 2020, 7:57 pm
  #3559  
 
Join Date: Apr 2002
Posts: 2,950
Originally Posted by PacificSunrise
While preparing to cancel, received a survey - possible they're considering boosting perks in the future.
I saw the email with the survey, but haven’t taken it yet. I did speak to my banker last week, who indicated that the Crystal card is no longer one of their products that they are focusing heavily on. I suppose that the fact that they sent a survey out means that they are considering some changes. Let’s hope it’s for the better.
TTT103 is offline  
Old Oct 14, 2020, 7:05 am
  #3560  
 
Join Date: Jan 2020
Posts: 18
Here's The Survey:

Originally Posted by TTT103
I saw the email with the survey, but haven’t taken it yet. I did speak to my banker last week, who indicated that the Crystal card is no longer one of their products that they are focusing heavily on. I suppose that the fact that they sent a survey out means that they are considering some changes. Let’s hope it’s for the better.
I took the survey and it seem like they are trying to figure out what benefits to remove and are thinking about linking benefits and/or point to having $100k+ on deposit in linked accounts.
It's letting you take the survey multiple time so, if you have a strong feeling about anything, guess you can "weight" the responses:



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happychic and milesforhire like this.
Giuseppe Benvenuto is offline  
Old Oct 14, 2020, 7:52 am
  #3561  
 
Join Date: Apr 2002
Posts: 2,950
Yes, I took the survey this morning, and assume that they are going to somehow include wealth management into the mix.
TTT103 is offline  
Old Oct 14, 2020, 8:43 am
  #3562  
 
Join Date: Mar 2017
Location: USA
Programs: AA Gold, Hyatt Globalist, Hilton Diamond
Posts: 311
Thumbs down

Originally Posted by Giuseppe Benvenuto
I took the survey and it seem like they are trying to figure out what benefits to remove and are thinking about linking benefits and/or point to having $100k+ on deposit in linked accounts.
It's letting you take the survey multiple time so, if you have a strong feeling about anything, guess you can "weight" the responses:



Page 1

Page 2

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CNB is so hilarious... Hard pass.
milesforhire is offline  
Old Oct 14, 2020, 10:11 am
  #3563  
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
I got the same survey and was then invited to join the "panel" which I declined. I was crystal clear on how I viewed the gutting of the card benefits and the generic (and pricey) wealth management program.
Boraxo is offline  
Old Oct 21, 2020, 12:04 pm
  #3564  
 
Join Date: Feb 2006
Posts: 68
Well, the end of an era for me -- my relationship manager wouldn't do anything about the upcoming annual fee, so I closed the account. When they gutted the card it was clear this was no longer a product they wanted to invest in.

I mostly wanted to thank everyone on this thread for all of the info everyone has posted about this card over the years - I got SO much value out of it because of the tips people shared around redemption. Kills me that I had to redeem points for Amazon gift cards (instead of the trip to Greenland I had not yet convinced my wife to take), but c'est la vie (let's hope that's my biggest covid hardship). Anyway - just wanted to say thanks...onward to the next card.
jblankoh is offline  
Old Oct 21, 2020, 1:07 pm
  #3565  
 
Join Date: Mar 2011
Location: NY, NY
Posts: 695
Originally Posted by jblankoh
Well, the end of an era for me -- my relationship manager wouldn't do anything about the upcoming annual fee, so I closed the account. When they gutted the card it was clear this was no longer a product they wanted to invest in.

I mostly wanted to thank everyone on this thread for all of the info everyone has posted about this card over the years - I got SO much value out of it because of the tips people shared around redemption. Kills me that I had to redeem points for Amazon gift cards (instead of the trip to Greenland I had not yet convinced my wife to take), but c'est la vie (let's hope that's my biggest covid hardship). Anyway - just wanted to say thanks...onward to the next card.
amen. one final tip : for those looking to cash out their points before closing, the slower-but-better-yielding option is to buy a refundable airfare ticket via concierge (e.g. B6), use all your points to offset all-or-part of the fare at 1.1c, wait a week or two, cancel the airfare, and then request a cheque for the credit balance. a few days after cheque clears, cancel card, and sayonara CNB
ukinny2000 is offline  
Old Oct 22, 2020, 11:23 am
  #3566  
 
Join Date: Apr 2002
Posts: 2,950
For a net of $50, I will likely keep the card for another year. I have a ton of points that I can not burn before the card renews, and would rather save them for another year so that I can do a high-end trip that I had hoped to take next summer, but will hold off until COVID vaccines are available.
TTT103 is offline  
Old Oct 23, 2020, 8:56 am
  #3567  
 
Join Date: Mar 2003
Location: Los Altos, CA
Posts: 41
I'm finally joining the hoard of people that have dumped this card. I called my relationship manager the other day, and she wanted to know the reasons so I explained them (per-card travel reimbursement, no priority pass guests, Visa Discount Air benefit). She understood, and also gave me the soft sales pitch on their asset management services. I explained (again) that I'm a very happy Schwab customer, and have since picked up a Schwab Amex Platinum card (among others) and their benefits are just better than CNB. She was very polite, recognized that they removed a lot of valuable benefits, and was sorry to lose me as a customer. Maybe if they bring back some compelling benefits, then I'd come back, but as it is, my account is now closed.
pmarcos is offline  
Old Oct 31, 2020, 10:24 am
  #3568  
 
Join Date: Nov 2006
Programs: Marriott Platinum, Hilton Diamond, IHG Platinum
Posts: 3,725
I just hope AA will still be around when I'm ready to use the GCs I got from this card.
italdesign is online now  
Old Nov 13, 2020, 1:40 pm
  #3569  
 
Join Date: Jan 2020
Posts: 18
I don't imagine many folks care anymore, but for those few still left, looks like there's bee a slight change in the physical card design. Had to replaced a delaminating card and the replacement no is no longer "reflective." it just totally a matte finish. It's is also slightly less hefty overall.

However, card now feature edge to edge interior "metal." So now, unlike the old cards that only had metal "cores' that stopped a few cm from the edges, these should not fall apart as quickly as they had in the past.
TTT103 and gatito like this.
Giuseppe Benvenuto is offline  
Old Nov 22, 2020, 4:45 pm
  #3570  
 
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
Any recent DP's for AA eGC and amount charged?
EasternTraveler is offline  


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