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

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

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Old Mar 2, 19, 8:52 pm   -   Wikipost
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***** #1502 - New signup bonus 1/16/18 BUT ANNUAL FEE NOT WAIVED ******

Past bonuses were:

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 (Cnb.com/creditcardonline) and register separately for the award page (www.cnbrewards.com). 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
$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.
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
$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.
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
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Old Oct 19, 18, 1:45 pm
  #1741  
 
Join Date: Apr 2018
Posts: 143
Originally Posted by crapz1 View Post
I just received my cards a couple days ago. They required copies of last two paystubs. I applied on my own with mid $100k income and was denied because they felt debt/income ratio was too high with mortgage. Had to add and verify DW's income (higher) to the application to get approved. To my surprise, the cards arrived with a $50K CL. It was probably one of the most involved CC applications I've done but I'm just glad to have it now.
Thanks for the data point. Are you and your wife co-applicants on the credit card (with the 3 AUs option)? Does each co-applicant $250 airline credit?

Based on this data point, it would appear that our (wife's and mine) combined income will need to be on the application to at least be considered (we also have a mortgage). But two cards might be better as mentioned by inY
Originally Posted by inY View Post
Does co-applying mean the applicants can't apply individually? Because it's better to just get two accounts with different applicants.
Or maybe another option, if can meet the income requirement, is to have one primary and add the other spouse as AU?

They checked debts too?
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Old Oct 19, 18, 3:53 pm
  #1742  
inY
 
Join Date: Jan 2011
Posts: 358
Originally Posted by robchow View Post
Thanks for the data point. Are you and your wife co-applicants on the credit card (with the 3 AUs option)? Does each co-applicant $250 airline credit?

Based on this data point, it would appear that our (wife's and mine) combined income will need to be on the application to at least be considered (we also have a mortgage). But two cards might be better as mentioned by inY Or maybe another option, if can meet the income requirement, is to have one primary and add the other spouse as AU?

They checked debts too?
You can apply as a sole applicant and list combined household income. Your wife can also apply as a sole applicant and list combined household income. I've never heard of a restriction on reporting income when both of you get a credit card from the same bank.
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Old Oct 19, 18, 10:09 pm
  #1743  
 
Join Date: Apr 2015
Location: IAD
Programs: AA, WN, B6 & UA (Not my fault I live near a fortress hub.)
Posts: 454
Do you get the Priority Pass for the primary account holder automatically or do you have to request it from your banker? How fast does the Priority Pass card come? Is it overnighted like the CC itself?
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Old Oct 19, 18, 11:06 pm
  #1744  
 
Join Date: Sep 2013
Posts: 5
Originally Posted by IAD_flyer View Post
Do you get the Priority Pass for the primary account holder automatically or do you have to request it from your banker? How fast does the Priority Pass card come? Is it overnighted like the CC itself?
The banker asked if Primary account would like to have PP, looks like you need to mention it. No sure how long it will take to get it, I read others posts, looks like about 1 month.
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Old Oct 19, 18, 11:16 pm
  #1745  
 
Join Date: Sep 2013
Posts: 5
Originally Posted by jrc87 View Post
you do need to prove your stated income via W2 or Tax returns.
No, just showed the driver's license, tell the truth about income and assets, spent about 15 mints in bank, got approved in 2 days. Applied on 10/5, card was arrived about 1 week, AU cards arrived about 1.5 wks.
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Old Oct 20, 18, 8:55 am
  #1746  
 
Join Date: Jul 2004
Location: MSP
Programs: DL PM, Amtrak & OAL peon, Blingy metal at most hotels, Colbert Platinum, Walk & Transit Scores 96
Posts: 4,447
Originally Posted by crapz1 View Post
I just received my cards a couple days ago. They required copies of last two paystubs. I applied on my own with mid $100k income and was denied because they felt debt/income ratio was too high with mortgage. Had to add and verify DW's income (higher) to the application to get approved. To my surprise, the cards arrived with a $50K CL. It was probably one of the most involved CC applications I've done but I'm just glad to have it now.
Congrats! If I may ask, what’s your outstanding mortgage balance?
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Old Oct 20, 18, 11:32 am
  #1747  
 
Join Date: Jan 2014
Posts: 230
Originally Posted by robchow View Post
Thanks for the data point. Are you and your wife co-applicants on the credit card (with the 3 AUs option)? Does each co-applicant $250 airline credit?
Based on this data point, it would appear that our (wife's and mine) combined income will need to be on the application to at least be considered (we also have a mortgage). But two cards might be better as mentioned by inY Or maybe another option, if can meet the income requirement, is to have one primary and add the other spouse as AU?
They checked debts too?
Yes, we are co-applicants so we both received our own card with unique card numbers. I am the primary and she is the first AU. We can add two more AUs and all cards get the $250 incidental credits.

Originally Posted by inY View Post
You can apply as a sole applicant and list combined household income. Your wife can also apply as a sole applicant and list combined household income. I've never heard of a restriction on reporting income when both of you get a credit card from the same bank.
I didn't think of using combined household income because they let me know I was going to need to provide check stubs/w2/tax return. I didn't want to explain why I listed income for double what I could be verified for. When I was declined applying solo, the banker told me that the only alternative would be to add the DW as a joint applicant.

Originally Posted by GoAmtrak View Post
Congrats! If I may ask, what’s your outstanding mortgage balance?
Under $600k

Last edited by crapz1; Oct 25, 18 at 3:13 pm
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Old Oct 20, 18, 4:03 pm
  #1748  
 
Join Date: Oct 2006
Posts: 99
Any data points for high spend on this card being an issue?
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Old Oct 20, 18, 4:35 pm
  #1749  
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Location: Paris, FR
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Originally Posted by crapz1 View Post
I just received my cards a couple days ago. They required copies of last two paystubs. I applied on my own with mid $100k income and was denied because they felt debt/income ratio was too high with mortgage. Had to add and verify DW's income (higher) to the application to get approved. To my surprise, the cards arrived with a $50K CL. It was probably one of the most involved CC applications I've done but I'm just glad to have it now.
Did they do a new hard pull on your credit after you added your wife as a joint applicant? I'm in a similar situation and the banker suggested adding my spouse as well.
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Old Oct 20, 18, 6:47 pm
  #1750  
 
Join Date: Jan 2014
Posts: 230
Originally Posted by Oxymore View Post
Did they do a new hard pull on your credit after you added your wife as a joint applicant? I'm in a similar situation and the banker suggested adding my spouse as well.
That's a good question. I just checked my Experian report and there were two separate pulls from CNB one week apart. Sigh..
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Old Oct 20, 18, 8:29 pm
  #1751  
 
Join Date: Oct 2018
Posts: 2
Is cnb transaction not real time??

I register the new account with my new card three days ago and shopped with the card 5 to 6 times already but I cannot see anything posted under transaction page, is anything wrong? I also disputed once but no email status provided at all....Honestly I am not a big fan of their customer support and the website compared to csr....I never need to worry about my chase credit card...
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Old Oct 21, 18, 3:49 pm
  #1752  
 
Join Date: Sep 2018
Posts: 39
Originally Posted by Linc Cooper View Post
I register the new account with my new card three days ago and shopped with the card 5 to 6 times already but I cannot see anything posted under transaction page, is anything wrong? I also disputed once but no email status provided at all....Honestly I am not a big fan of their customer support and the website compared to csr....I never need to worry about my chase credit card...
When you log in to your account look for "Review authorizations" in the top right section. You have to chose how many days back you want to go. It's a bit clunky but one good benefit is that they do provide A LOT more information for your pending charges than any other bank I have seen. You can even see the exact MCC code of each transaction, etc. Not just the merchant and the amount like other banks.
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Old Oct 21, 18, 4:30 pm
  #1753  
 
Join Date: Oct 2018
Posts: 2
Originally Posted by jrc87 View Post
When you log in to your account look for "Review authorizations" in the top right section. You have to chose how many days back you want to go. It's a bit clunky but one good benefit is that they do provide A LOT more information for your pending charges than any other bank I have seen. You can even see the exact MCC code of each transaction, etc. Not just the merchant and the amount like other banks.
Thanks! Following your tip, I do see transactions now but one simple shop trip on costco.com with $166 are showing as 4 charges like $166, $166, $32,$29 with the last two are two items in the same order. All of them has status approved, I guess I'm not able to tell until couple days later the pending charges are gone....also I called yesterday for one dispute, and rep said would wait for another department to call me for more documents, does anyone have good experience with their dispute process? I did couple times with chase, very straight and easy for me.
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Old Oct 21, 18, 4:47 pm
  #1754  
 
Join Date: Sep 2018
Posts: 39
Originally Posted by Linc Cooper View Post
Thanks! Following your tip, I do see transactions now but one simple shop trip on costco.com with $166 are showing as 4 charges like $166, $166, $32,$29 with the last two are two items in the same order. All of them has status approved, I guess I'm not able to tell until couple days later the pending charges are gone....also I called yesterday for one dispute, and rep said would wait for another department to call me for more documents, does anyone have good experience with their dispute process? I did couple times with chase, very straight and easy for me.
I did get charged twice recently for a restaurant visit (the day of + another mystery charge 1 week later for exactly the same amount). However it might be a coincidence you are experiencing issues as my merchant seemed to have had problems with their payment platform the day I went. I have used this card no less than 20 times in the past month and only had that one issue. This is the first time in my life I've had to call about a mystery charge in my account.

When the duplicate transaction posted, I called the bank and pointed at the 2 charges in my transaction history, gave an explanation this was a duplicate charge, etc. They said they were going to investigate and would contact me if they need further documentation. Few days later a credit popped up in my transaction history. I called the bank to confirm if the credit had been made from the merchant or by them (I had called the merchant asking about the duplicate charge). The representative told me the bank had charged back the money and that the investigation was still ongoing. They had added a courtesy credit to my account in the meantime, blah blah...
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Old Oct 21, 18, 8:25 pm
  #1755  
 
Join Date: Apr 2015
Location: IAD
Programs: AA, WN, B6 & UA (Not my fault I live near a fortress hub.)
Posts: 454
Are the Visa gift cards from the award catalog, from a major VGC issuer such as MetaBank? Do they have PINs and work at Wal-Mart? Thanks!
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