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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.
 
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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 21, 18, 1:20 pm
  #1966  
 
Join Date: Apr 2002
Posts: 2,012
I was able to register for an on-line account after I received and activated my card (and can log in on-line), but can't seem to log into the app. However, there are several different City National Bank apps. I'm using the one with the ladder. Is there something I need to know, or am not doing correctly?
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Old Dec 21, 18, 1:59 pm
  #1967  
 
Join Date: Dec 2018
Posts: 70
For the airline credits, did you guys see it pop up under Pending Transactions before it posted to your account?

Also, which website are you guys using? There's like 2 different websites for CNB credit card.

There's a https://creditcare.cnb.com and a https://cno.cnb.com.
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Old Dec 21, 18, 2:09 pm
  #1968  
 
Join Date: Sep 2018
Posts: 39
Originally Posted by dreamspeed View Post
For the airline credits, did you guys see it pop up under Pending Transactions before it posted to your account?

Also, which website are you guys using? There's like 2 different websites for CNB credit card.

There's a https://creditcare.cnb.com and a https://cno.cnb.com.

if you see about 10 posts on top of yours:
Originally Posted by AugustWest View Post
That is correct. In fact, I could only see the 19th credit as of the 20th...
It doesn't show until it posts.

As for your second question, I believe this is the one you should be using: https://creditcare.cnb.com/CNB_Consumer/Login.do
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Old Dec 22, 18, 8:19 am
  #1969  
 
Join Date: Mar 2017
Posts: 7
AA $250 gift card:

Purchased 12/13
Credit showed 12/22 with a date of 12/19
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Old Dec 22, 18, 9:50 am
  #1970  
 
Join Date: Mar 2015
Posts: 316
Originally Posted by TTT103 View Post
I was able to register for an on-line account after I received and activated my card (and can log in on-line), but can't seem to log into the app. However, there are several different City National Bank apps. I'm using the one with the ladder. Is there something I need to know, or am not doing correctly?
I cannot get the app to work either. I read somewhere (here or reddit) that the app only works if you also have a bank account with them. They are a strange bank (but I am not complaining)
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Old Dec 22, 18, 10:46 am
  #1971  
 
Join Date: Dec 2018
Posts: 70
Originally Posted by AugustWest View Post
I cannot get the app to work either. I read somewhere (here or reddit) that the app only works if you also have a bank account with them. They are a strange bank (but I am not complaining)
This bank is way stricter with their approvals and authorizations than other banks.... which I like in a way because it's safer. Most of the big banks just approve everything online in like 30 secs which seem way too lax to me.

Anyways, i've had to call CNB way more than I wanted to but all of their CSRs seem to be knowledgeable and helpful.

The CSRs told me that

Currently you can use either of these 2 accounts to manage your CC but the Creditcare website is going away after the CNO one gets updated (no idea when that is)
https://creditcare.cnb.com and a https://cno.cnb.com.

You need to have a CNO login in order to use the mobile app. The CNO login requires someone at the bank to manually verify and approve your account so it takes a couple of days and a callback.

As of now the mobile app ALSO requires you to have another account with CNB besides a credit card in order to use. However, the CSR told me that sometime in the future it's going to change so that you can use it even if you only have a CC account.
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Old Dec 22, 18, 11:42 am
  #1972  
 
Join Date: Mar 2003
Location: Los Altos, CA
Posts: 23
Originally Posted by gbrodman View Post
AA $250 gift card:
Purchased 12/13
Credit showed 12/22 with a date of 12/19
Similarly for me, purchased $250 AA gift card on 12/14 (post date 12/17). Credit just came through with a transaction date of 12/19 (post date 12/21). It wasn't visible in my transaction list yesterday but it is today.

FWIW, this was on a new AU card that I had just requested in the last couple weeks.
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Old Dec 22, 18, 12:46 pm
  #1973  
 
Join Date: Apr 2002
Posts: 2,012
Originally Posted by dreamspeed View Post
This bank is way stricter with their approvals and authorizations than other banks.... which I like in a way because it's safer. Most of the big banks just approve everything online in like 30 secs which seem way too lax to me.

Anyways, i've had to call CNB way more than I wanted to but all of their CSRs seem to be knowledgeable and helpful.

The CSRs told me that

Currently you can use either of these 2 accounts to manage your CC but the Creditcare website is going away after the CNO one gets updated (no idea when that is)
https://creditcare.cnb.com and a https://cno.cnb.com.

You need to have a CNO login in order to use the mobile app. The CNO login requires someone at the bank to manually verify and approve your account so it takes a couple of days and a callback.

As of now the mobile app ALSO requires you to have another account with CNB besides a credit card in order to use. However, the CSR told me that sometime in the future it's going to change so that you can use it even if you only have a CC account.
I appreciate the information. I guess Ill just hang tight for now, and simply use the online portal.
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Old Dec 23, 18, 6:00 am
  #1974  
 
Join Date: Apr 2015
Location: IAD
Programs: AA, WN, B6 & UA (Not my fault I live near a fortress hub.)
Posts: 459
I hope the new portal keeps the detailed transaction info that is in Credit Care, for example, you can view MCC.
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Old Dec 23, 18, 10:45 am
  #1975  
 
Join Date: Dec 2018
Posts: 70
Question, in the authorization section of the Creditcare website I see a whole bunch of $0.00 declined transactions. Usually it's like 1-2 declines from a merchant followed by an approve for the actual amount.

For example, if i buy something on amazon it would say

declined - amazon $0.00
declined - amazon $0.00
approved - amazon $12.81

Is this normally how credit card transactions work but we just don't see the "behind the scenes" transactions on your standard chase or amex accounts?
From my point of view when doing the transaction on Amazon i'm oblivious to the declines. My purchases just go straight through on amazon.com
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Old Dec 25, 18, 1:19 am
  #1976  
 
Join Date: Sep 2018
Posts: 39
I mentioned before that this bank provides way more info for pending transaction than I have ever seen. I think these transactions are just the way things happen behind the scenes. Probably a way for merchants to verify if information you have on file matches what you have provided during checkout. Maybe they send a $0 transaction and analyze the remarks that come back about the account??? who knows!. I have noticed other business charge $1 and then change or replace these charges with a new transaction for the correct amount.

I have also seen some merchants (notably gas stations) that charge a big amount ($100) and then replace/change the transaction to reflect the actual amount
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Old Dec 25, 18, 12:59 pm
  #1977  
 
Join Date: Sep 2004
Location: The Bay Area, USA
Posts: 142
Gas pumps typically have a set pre-authorization amount when you swipe/dip/tap the card, typically $75 to $100. When the transaction is done, the pump sends a transaction complete signal which is signals to remove the authorization and then the actual amount of the transaction is transmitted. I also found a few declines but is only one instance when setting up the card with Uber Eats, it was actually declined. Then I immediately tried again and it was authorized.
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Old Dec 25, 18, 1:03 pm
  #1978  
 
Join Date: Sep 2004
Location: The Bay Area, USA
Posts: 142
Both day passes and even a membership fee can be claimed against the $250 travel credit so there shouldn't be any question. This is stated in the guide. Of course, the $550 airline club membership credit won't apply or will be offset if you happen to use the $250 travel credit for a lounge membership.
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Old Dec 25, 18, 1:06 pm
  #1979  
 
Join Date: Sep 2004
Location: The Bay Area, USA
Posts: 142
Someone earlier asked the maximum number of cards: You can only get 3 AU cards and 2 total priority pass cards.
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Old Dec 25, 18, 5:10 pm
  #1980  
 
Join Date: Mar 2015
Posts: 316
Originally Posted by askmrlee View Post
Someone earlier asked the maximum number of cards: You can only get 3 AU cards and 2 total priority pass cards.
Only 3 AUs at the time of application. You can add (at least) one more after you have the primary card in hand.
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