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-   -   City National Bank Crystal Visa Infinite (USA); NY GA TN NV CA MA DC & MN (https://www.flyertalk.com/forum/credit-card-programs/1676781-city-national-bank-crystal-visa-infinite-usa-ny-ga-tn-nv-ca-ma-dc-mn.html)

geclub1 Oct 15, 2015 3:15 pm


Originally Posted by NYCFlyer10001 (Post 25570428)
Statement credits don't appear to be an option. Best you can get is the $1,000 prepaid visa for 105K pts. The $500 one is 55K pts, or a 10% upcharge compared to 1cpp.

The travel rewards are only through their captive portal.

What kind of valuation do they offer through the travel portal?

NYCFlyer10001 Oct 15, 2015 7:08 pm


Originally Posted by geclub1 (Post 25570567)
What kind of valuation do they offer through the travel portal?

It looks like 1cpp or slightly better, at least on the cruise that I looked at (because I had the cash pricing handy elsewhere). The portal only displays prices in points so you can't directly calculate the value without an external reference.

esw30 Oct 17, 2015 9:35 pm

Anyone know what credit bureau was pulled when they applied for this card? Thanks!

geclub1 Oct 17, 2015 10:20 pm


Originally Posted by esw30 (Post 25580224)
Anyone know what credit bureau was pulled when they applied for this card? Thanks!

For an application submitted in California, no pull is found on TU or EQ. They must then have pulled EXP.

Stgermainparis Oct 20, 2015 9:51 am

I'm in a City National state but not near a branch. Has anyone had success applying via phone or email in state but not in branch?

Big4Flyer Oct 20, 2015 9:54 am


Originally Posted by Stgermainparis (Post 25590842)
I'm in a City National state but not near a branch. Has anyone had success applying via phone or email in state but not in branch?

See Gary Leff's post from today: http://viewfromthewing.boardingarea....-signup-bonus/

I'd like to apply for this card but with an income between 60-70k, I don't think I'd have much of a chance. Hopefully its still around in 5 years :D

drekin Oct 21, 2015 12:38 am

I applied at a branch yesterday. I asked what is considered high income and the banker told me that "applicants with over $70k income" have a higher chance of being accepted. I gave her my last years W2 as proof of income and she scanned it. Still waiting on the decision. If the alleged benefits of this card pan out this might be the single most rewarding CC ever.

jordan_h Oct 22, 2015 5:00 pm

i applied in branch today as well. i was told i had to have a city national account first, although i had planned to open one anyway, since they waive ATM fees charged by other banks' ATMs.

i also had to provide a W2, two recent pay stubs, and two recent bank statements from my existing bank (chase). we'll see if i get approved, and i'll make sure to report back on how the airline fee credits work.

one other interesting thing - the banker i talked to was perfectly nice, but he said (not in so many words) that city national isn't really a bank for hoi polloi. it's a "premium" bank, meaning i guess i should have been dressed nicer?

steve4 Oct 22, 2015 7:01 pm

Looks like an interesting card. Does anyone know if the car rental insurance it provides is primary or secondary ?

gmangg Oct 22, 2015 7:02 pm


Originally Posted by jordan_h (Post 25603023)
one other interesting thing - the banker i talked to was perfectly nice, but he said (not in so many words) that city national isn't really a bank for hoi polloi. it's a "premium" bank, meaning i guess i should have been dressed nicer?

I felt the same way, but luckily I applied at the Palo Alto branch where dressing worse is correlated with earning more. Interestingly they said nothing about needing to open a checking account.

jordan_h Oct 22, 2015 11:51 pm


Originally Posted by steve4 (Post 25603389)
Looks like an interesting card. Does anyone know if the car rental insurance it provides is primary or secondary ?

i think it's primary, although the guide to benefits doesn't say "primary" or "secondary." however, based on how they describe the process of filing a claim, it sure sounds like it's primary.

here's the guide to benefits.

tmiw Oct 22, 2015 11:55 pm


Originally Posted by jordan_h (Post 25604121)
i think it's primary, although the guide to benefits doesn't say "primary" or "secondary." however, based on how they describe the process of filing a claim, it sure sounds like it's primary.

here's the guide to benefits.

One of the exclusions is "Expenses reimbursable by your insurer, employer, or employer's insurance", which seems to imply secondary coverage. Usually issuers mention it explicitly either way though.

jackiesyu Oct 23, 2015 11:27 am


Originally Posted by drekin (Post 25594271)
I applied at a branch yesterday. I asked what is considered high income and the banker told me that "applicants with over $70k income" have a higher chance of being accepted. I gave her my last years W2 as proof of income and she scanned it. Still waiting on the decision. If the alleged benefits of this card pan out this might be the single most rewarding CC ever.

A friend of mine who lives in southern CA and is retired got approved for the card last week. She doesn't have W2 income but she has large amount of deposits, >200K, not with cnb though and she worked with the banker and send in statements on her bank statements...So, it is not a fixed formula just based on the W2. Just a data point to share.

UserMark Oct 23, 2015 4:17 pm

You are now required to have a checking account with them in order to get this card, or so I was told when I called a branch.

SanDiego1K Oct 23, 2015 4:21 pm


Originally Posted by UserMark (Post 25607507)
You are now required to have a checking account with them in order to get this card, or so I was told when I called a branch.

We were told that we needed to be doing business with the bank, and that could be by establishing a modest savings account. We did so and my husband's application is now in for consideration. I understand that a memo went to all the branches at the start of this week requiring a relationship beyond simply issuing the credit card. What that relationship needs to be is apparently for the individual branches to determine.


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