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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 Apr 18, 19, 8:35 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: RedSun
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Current welcome offer is 50,000 Crystal points with $5,000 spending in the first 90 days. First annual fee (not?) waived. (as of 4/1/2019)

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 (Cnb.com/creditcardonline).
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
$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 Dec 5, 18, 11:32 am
  #1891  
 
Join Date: Feb 2016
Posts: 18
Originally Posted by TTT103 View Post
Has anybody had success applying for this card over the phone or having a banker send an application? I'm questioning my desire of actually driving into NYC just for this card.
I got mine a little less than a month ago through email.
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Old Dec 5, 18, 12:36 pm
  #1892  
 
Join Date: Aug 2014
Posts: 3
Anyone can refer me a banker that I can apply for this card through email? I live in Texas and don't have plans to travel to the states where CNB has branches.
Thanks!
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Old Dec 5, 18, 1:24 pm
  #1893  
 
Join Date: Apr 2018
Posts: 148
Are AUs consider "cardholder?" Checking on the $100 Visa Infinite Discount Air Benefit eligibility.
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Old Dec 5, 18, 7:21 pm
  #1894  
 
Join Date: Dec 2005
Location: South Florida
Programs: AA EXP, HH Diamond, Marriott Platinium
Posts: 1,231
Originally Posted by robchow View Post
Are AUs consider "cardholder?" Checking on the $100 Visa Infinite Discount Air Benefit eligibility.
AU get that benefit too, they can use their own CC number which will be accepted when the website ask (Visadiscountair) before doing any search.
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Old Dec 6, 18, 12:35 am
  #1895  
 
Join Date: Jan 2013
Location: CA
Programs: SAG, SPG Plat, HH Diamond, Marriott Gold, IHG Plat, Hyatt Diamond, Carlson Gold
Posts: 72
Originally Posted by Rommie2k6 View Post
CNB travel fee rebate for Delta has been very YMMV. The $5.60 charges work fine. I had a $5x and $6x charge rebated, but $8x charge was not. All of these are fees/taxes from award tickets... can anyone figure out what will trigger the CNB travel fee rebate?
Based on an experiment a while back in this thread, with another airline, $75 seemed to be the cutoff
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Old Dec 6, 18, 2:02 pm
  #1896  
 
Join Date: Apr 2018
Posts: 148
Those that signed up as co-applicant, do you get a total of 5 cards (2 primary and 3 AU) and 3 priority pass (2 primary and 1 AU)?
robchow is offline  
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Old Dec 6, 18, 3:48 pm
  #1897  
 
Join Date: Jan 2014
Posts: 231
Total of 4 cards including the co-applicant.
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Old Dec 6, 18, 4:50 pm
  #1898  
 
Join Date: Apr 2018
Posts: 148
Originally Posted by crapz1 View Post
Total of 4 cards including the co-applicant.
Curious: is the co-applicant a "co-applicant" or an AU?

I read a few pages back and one poster stated he needed wife to co-apply to be able to get the card but also stated she was AU. So want to see what your situation was.

Last edited by robchow; Dec 6, 18 at 4:52 pm Reason: adding more context to question
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Old Dec 6, 18, 7:22 pm
  #1899  
 
Join Date: Jan 2014
Posts: 231
Originally Posted by robchow View Post
Curious: is the co-applicant a "co-applicant" or an AU?

I read a few pages back and one poster stated he needed wife to co-apply to be able to get the card but also stated she was AU. So want to see what your situation was.
My situation was similar. Declined applying by myself. Had to add my wife's income due to us having a mortgage. She was a co-applicant but the main account is in my name, so that probably makes her an AU. When I received the cards, we each received one. When I asked my banker if she counted as an AU and how many more I could add, she said that I could only add 2 more AUs. I guess you could technically have wife co-apply but explicitly ask not to give her a card, therefore leaving 3 AU slots?
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Old Dec 6, 18, 8:57 pm
  #1900  
 
Join Date: Apr 2015
Posts: 24
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.
Is this in the Credit Card online account or the main cnb.com account? Unable to find this
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Old Dec 7, 18, 6:28 am
  #1901  
 
Join Date: Aug 2012
Posts: 21
I apologize if this has been covered but didn't find it through a thread search:

Does spending by authorized users count towards the 5K minimum for the 75K bonus points? I have a feeling yes but not completely sure from reading the terms of the offer...
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Old Dec 7, 18, 9:31 am
  #1902  
 
Join Date: May 2018
Posts: 8
Originally Posted by victoras View Post
I apologize if this has been covered but didn't find it through a thread search:

Does spending by authorized users count towards the 5K minimum for the 75K bonus points? I have a feeling yes but not completely sure from reading the terms of the offer...
Yes,
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Old Dec 7, 18, 11:30 am
  #1903  
 
Join Date: Jul 2009
Posts: 16
Couple of data points for travel rebates:
- AU bought $150 AA e-gift card (beginning of Dec'18)- rebate posted in 5 days after original transaction was posted
- AU and primary paid $70.53 each in taxes for DL award tickets (end of Nov'18) - both rebates posted 7 days after original transaction was posted
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Old Dec 7, 18, 1:44 pm
  #1904  
 
Join Date: Jan 2012
Posts: 37
Anyone knows if it would be possible to add a foreigner (no SSN, not living in the US) as an authorized user? Regarding the US address I could just use mine. Thanks for any tip.
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Old Dec 7, 18, 1:47 pm
  #1905  
 
Join Date: Apr 2018
Posts: 148
Originally Posted by crapz1 View Post
My situation was similar. Declined applying by myself. Had to add my wife's income due to us having a mortgage. She was a co-applicant but the main account is in my name, so that probably makes her an AU. When I received the cards, we each received one. When I asked my banker if she counted as an AU and how many more I could add, she said that I could only add 2 more AUs. I guess you could technically have wife co-apply but explicitly ask not to give her a card, therefore leaving 3 AU slots?
Haha, not sure that would go over well with the wife.

Thank you for your story.
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