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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 Aug 9, 19, 1:07 pm   -   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: jcatman
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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 (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.
AS: Premium Class Upgrade, $59
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 Jul 1, 19, 1:33 pm
  #2431  
 
Join Date: Jan 2002
Location: SoCal, CA
Programs: AA 1MM GO, SW A-List
Posts: 41
Booking flight rewards

Still on the fence if this card is worth all the trouble.

When I compare flights on Crystal reward portal they are higher than Chase Sapphire Reserve and seems I would get better value from CSR? I have heard that calling direct through concierge doesn’t have the markup you see in the portal.

For value of points is Crystal it CSR higher?

What are people’s tips and tricks on getting max value on the points you accumulate with Crystal?

Thanks!
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Old Jul 1, 19, 3:08 pm
  #2432  
 
Join Date: Apr 2017
Posts: 101
Originally Posted by Mileage Fanatic View Post
Still on the fence if this card is worth all the trouble.

When I compare flights on Crystal reward portal they are higher than Chase Sapphire Reserve and seems I would get better value from CSR? I have heard that calling direct through concierge doesn’t have the markup you see in the portal.

For value of points is Crystal it CSR higher?

What are people’s tips and tricks on getting max value on the points you accumulate with Crystal?

Thanks!
probably the only card out of my +10 cards that it’s worth it...I know they add extra cost on flights but keep in mind you can get offset that annual fee and even make revenue if you know how to use the reimbursement...
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Old Jul 4, 19, 10:08 am
  #2433  
 
Join Date: Dec 2008
Posts: 62
With recent reports of egift cards on Southwest and Delta no longer crediting as incidental expenses on AmEx cards, does anyone have a data point after June 23 showing whether CNB incidental airline credits still work for any airline?

Last edited by JudyBlueEyes; Jul 4, 19 at 10:22 am
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Old Jul 4, 19, 12:21 pm
  #2434  
 
Join Date: Apr 2002
Posts: 2,106
Originally Posted by Mileage Fanatic View Post
Still on the fence if this card is worth all the trouble.

When I compare flights on Crystal reward portal they are higher than Chase Sapphire Reserve and seems I would get better value from CSR? I have heard that calling direct through concierge doesn’t have the markup you see in the portal.

For value of points is Crystal it CSR higher?

What are people’s tips and tricks on getting max value on the points you accumulate with Crystal?

Thanks!
Stick with your CSR. The two card are very similar. Why bother with a hard pull for a comparable card.
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Old Jul 5, 19, 9:36 am
  #2435  
 
Join Date: Jun 2019
Posts: 5
Originally Posted by TTT103 View Post


Stick with your CSR. The two card are very similar. Why bother with a hard pull for a comparable card.
Because arguable you can get more value from the CNB card than a CSR because of the incidental fees.
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Old Jul 5, 19, 12:30 pm
  #2436  
 
Join Date: Apr 2002
Posts: 2,106
Originally Posted by thegreatdonut View Post
Because arguable you can get more value from the CNB card than a CSR because of the incidental fees.
No doubt about that, but if the OP is simply looking at redemption value, sticking with UR points affords one greater value.
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Old Jul 6, 19, 9:52 am
  #2437  
 
Join Date: Jul 2014
Location: Western US
Programs: Costco Executive Member, Amazon Optimus Prime
Posts: 709
Originally Posted by thegreatdonut View Post
I got approved with a 696 credit score. I feel like this card is VERY YMMV.

Applied in branch on 5/22/19, didn't get approved for 10k limit only 5k, had to submit more documentation (bank accounts and such). Got approved on 6/7/19.
Income: 45k
Assets: 60k (couldn't use my brokerage accounts as they wanted to see liquid assets).
Number of Accounts: 4 credit cards.
AAOA: 4 months
Total length of Credit: 1 year and 2 months.

I was also not a CNB customer before I applied. Let me know if you have any questions i can answer.
I am a little surprised they signed you up. Normally they ask for other banking biz too. Not in a heavy handed way, but they treat the Crystal as a loss leader.
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Old Jul 6, 19, 10:11 am
  #2438  
 
Join Date: Jun 2019
Posts: 5
Originally Posted by akr1970akr View Post
I am a little surprised they signed you up. Normally they ask for other banking biz too. Not in a heavy handed way, but they treat the Crystal as a loss leader.
Yea, I was pretty surprised too when I got it.
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Old Jul 8, 19, 9:46 am
  #2439  
 
Join Date: May 2015
Posts: 79
Originally Posted by JudyBlueEyes View Post
With recent reports of egift cards on Southwest and Delta no longer crediting as incidental expenses on AmEx cards, does anyone have a data point after June 23 showing whether CNB incidental airline credits still work for any airline?
My trans date was on 6/23 and i was reimbursed on 7/1 for AA gift cards. I made a couple more AA gift card purchases on 7/2 and will report back.

Also, a DP that these reimbursed gift card purchases still count as travel and will get 3x or 4x points on these purchases.
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Old Jul 9, 19, 4:24 am
  #2440  
 
Join Date: Feb 2019
Posts: 4
How long did you wait for sign in bonus to post?
i spend $5,000 about 2-3 weeks ago, but have not received bonus rewards points yet.

Thanks.
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Old Jul 9, 19, 10:24 am
  #2441  
 
Join Date: Jun 2019
Location: Florida
Programs: AA
Posts: 21
Originally Posted by akr1970akr View Post
The website is like something out of an old school credit union, but it works properly, and loads quickly.

I actually prefer it to all overly slicked up ones the mega banks have.

Someone who might really prefer a fancy mobile app probably should not use CNB though.

I doubt they will ever be 'awesome' in that dimension.
does it require multiple logins across systems to use all features? looking at this card again versus US Banks Altitude Visa Infinite
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Old Jul 9, 19, 10:50 am
  #2442  
 
Join Date: Apr 2010
Location: SFO
Programs: A3 *G; HH Diamond;
Posts: 1,525
Originally Posted by waterskifly View Post
does it require multiple logins across systems to use all features? looking at this card again versus US Banks Altitude Visa Infinite
Yes. :-)
One site is for managing your credit card account.
A 2nd site for managing your credit rewards. This site requires password change every 90 days, I think.
A 3rd site lists card benefits. And a 4th site, alas, if you want to use the domestic air discount.
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Old Jul 9, 19, 2:33 pm
  #2443  
 
Join Date: Jul 2014
Location: Western US
Programs: Costco Executive Member, Amazon Optimus Prime
Posts: 709
Originally Posted by geclub1 View Post
Yes. :-)
One site is for managing your credit card account.
A 2nd site for managing your credit rewards. This site requires password change every 90 days, I think.
A 3rd site lists card benefits. And a 4th site, alas, if you want to use the domestic air discount.
There's also a separate site if you bank with them.
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Old Jul 10, 19, 12:46 pm
  #2444  
 
Join Date: Jul 2009
Posts: 17
UA Economy Plus

I purchased United Economy Plus seat for $142 - international flight. Wasn't reimbursed. Rebate policy is applicable only for charges at domestic carriers on domestic itineraries (however, it depends on airline how they report data to CNB).

"Qualifying Airline Purchases are defined as incidental airline fee transactions made at eligible US-Domestic Airline Carriers (each an "Eligible Airline") on domestic itineraries and include: ticket change/cancellation fees, checked baggage fees, in-flight entertainment, onboard food and beverage charges, airport lounge membership fees and day passes, onboard wireless charges (excluding Gogo Wireless), and TSA Pre✓® membership application fee1 transactions, and may vary depending on the airline."
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Old Jul 10, 19, 4:52 pm
  #2445  
 
Join Date: May 2005
Location: SEA
Programs: AS MVPG; HHonors Gold; NEXUS
Posts: 381
I applied over the phone for this card just now. I had to email a copy of my passport and my most recent paystub. I then e-signed an application that will be manually reviewed by their underwriter.

The gentleman was quite friendly, it's definitely an old school, traditional bank tailored towards personalized service rather than technology or use of call centers. This has its pros and cons - their website isn't the most up to date, no mobile app, can't apply for just the card without a rep, etc but on the flip side, you have an actual person that you can call when you hit issues... there's no massive call center to deal with.

This would normally not appeal to me, but the benefits of this card outweigh the inconvenience of having to deal with manual processes.

I agree with others that they are looking to build a client base that's high income that values service, and it does look like they are using this as a loss leader, or perhaps they are counting on higher income people to just not use the benefits like a FTer would. I work for a large tech firm and he mentioned that he worked with several people from my employer to set up this card.

One thing worth mentioning - the banker mentioned that AU's have a portion of the credit limit allocated towards them, which is subtracted from the account holder's credit limit. So, for example, if you have a $20k credit limit, you could choose to apply $10k to your authorized user, leaving you with the remaining $10k limit. He suggested applying for a larger credit limit than you ordinarily might due to this. I hadn't seen this mentioned, so I suppose we'll see if this is indeed the case.

FWIW, I applied with someone in the San Diego branch, perhaps other branches have tighter restrictions on applying in person.
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