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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 10, 19, 5:36 pm
  #2446  
 
Join Date: Jan 2017
Location: EWR/PHL/BWI
Posts: 2,340
Originally Posted by sullim4 View Post
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.
This is not completely true. When I applied it, I could control how much CLs I want the AU to have, up to the entire CL. For example, if my CL is $30k, I can let AU to have CL from anything up to $30k. No change to my own CL.

This is the same way how AmEx lets you control AU CL.
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Old Jul 10, 19, 8:54 pm
  #2447  
 
Join Date: May 2015
Posts: 79
Originally Posted by bradpitch92 View Post
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.
Just got reimbursed on the 7/2 gift card purchases. AA again
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Old Jul 10, 19, 9:08 pm
  #2448  
 
Join Date: Jan 2014
Location: SJC/SFO
Programs: UR, TYP, MR, AA, WN, BA, AS, Priceline, Radisson, Hyatt, IHG, Wyndham, Hilton
Posts: 1,216
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
The points are not as good as AR, but if you utilize all , the AUs, then this card is $600 cash positive. Categories are good too, but not as good as AR.

Last edited by yugi; Jul 10, 19 at 9:41 pm
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Old Jul 11, 19, 12:13 pm
  #2449  
 
Join Date: Jul 2014
Location: Western US
Programs: Costco Executive Member, Amazon Optimus Prime
Posts: 705
Originally Posted by sullim4 View Post
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.
One small example of service difference. I call in to Citi for a something related to a AA Plat card. Takes 3 minutes on the phone tree to eventually get a human.

Call in to CNB, pretty much every time someone picks up right away, no phone tree BS. I realize there's a diff in the annual fees, thus reflected in the service, but the same thing happens on the $495 Prestige too

CNB people are also generally pretty competent.

Cardholders will eventually be expected to grow the relationship in real ways though.

My banker said at some point they had been told that card renewals may not happen for those why they think won't need other services.

Not sure how true that is, or if people ever get a/c closed due to that, but it makes sense to me.
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Old Jul 12, 19, 1:16 am
  #2450  
 
Join Date: Sep 2018
Location: PNW
Programs: B6, DL, IHG, Hyatt
Posts: 4
Originally Posted by bradpitch92 View Post
Just got reimbursed on the 7/2 gift card purchases. AA again
Been worried that this might get axed like on AmEx.
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Old Jul 12, 19, 6:59 am
  #2451  
 
Join Date: May 2005
Location: SEA
Programs: AS MVPG; HHonors Gold; NEXUS
Posts: 381
Originally Posted by akr1970akr View Post
Cardholders will eventually be expected to grow the relationship in real ways though.

My banker said at some point they had been told that card renewals may not happen for those why they think won't need other services.

Not sure how true that is, or if people ever get a/c closed due to that, but it makes sense to me.
If that's the case, they should just require a banking relationship up front rather than allow you to apply for the card as a standalone product. I don't foresee needing to use any of their other services - aside from credit cards, we do our banking with Alliant Credit Union and our investment account is with Fidelity. Alliant has much better deposit accounts.

That said, I anticipate moving most of our spend over to this card, particularly that which falls under the bonus categories.
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Old Jul 12, 19, 10:02 am
  #2452  
 
Join Date: Jul 2014
Location: Western US
Programs: Costco Executive Member, Amazon Optimus Prime
Posts: 705
Originally Posted by sullim4 View Post
If that's the case, they should just require a banking relationship up front rather than allow you to apply for the card as a standalone product. I don't foresee needing to use any of their other services - aside from credit cards, we do our banking with Alliant Credit Union and our investment account is with Fidelity. Alliant has much better deposit accounts.

That said, I anticipate moving most of our spend over to this card, particularly that which falls under the bonus categories.
They might be doing this in a soft way, or they have concerns around Anti Tying Bank laws.

I don't profess to understand them, but there are some laws which limit how banks can force people to use their products.

If one is operating with a bank charter, that comes with the territory.

Specialty Finance Co's don't have those rules, but normally, retail banks wouldn't interact with them.
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Old Jul 13, 19, 2:46 am
  #2453  
 
Join Date: Feb 2019
Posts: 4
Originally Posted by alexnp View Post
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.
called the bank and was told that it will post after 90 days after account open day.
Is that correct? I saw data points in the beginning of this thread that bonus was posted within one week after spending requirement met.

Confused
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Old Jul 15, 19, 10:47 am
  #2454  
yao
 
Join Date: Jan 2019
Posts: 2
The bonus posts some time after the end of the billing period that you hit the spend requirement. So no, you almost certainly will not receive the bonus within a week of hitting the spend requirement.
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Old Jul 16, 19, 4:52 am
  #2455  
 
Join Date: Feb 2019
Posts: 4
Originally Posted by yao View Post
The bonus posts some time after the end of the billing period that you hit the spend requirement. So no, you almost certainly will not receive the bonus within a week of hitting the spend requirement.
thank you.
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Old Jul 16, 19, 7:08 pm
  #2456  
 
Join Date: Dec 2014
Posts: 122
Originally Posted by bradpitch92 View Post
Just got reimbursed on the 7/2 gift card purchases. AA again
What $ amount did you purchase?
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Old Jul 17, 19, 9:05 am
  #2457  
 
Join Date: Jul 2014
Location: Western US
Programs: Costco Executive Member, Amazon Optimus Prime
Posts: 705
AA GC credit posted. Purchased on 7/5, credit arrived on 7/16

However on the statement, they back date when the credit arrives, so it looks like credit arrived sooner than it truly did.
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Old Jul 18, 19, 10:34 pm
  #2458  
 
Join Date: May 2005
Location: SEA
Programs: AS MVPG; HHonors Gold; NEXUS
Posts: 381
Any first hand experiences on whether the $50 NEXUS fee will get reimbursed instead of GE? They are both from the same "Trusted Traveler" merchant.
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Old Jul 18, 19, 11:45 pm
  #2459  
 
Join Date: Sep 2018
Posts: 41
Originally Posted by sullim4 View Post
Any first hand experiences on whether the $50 NEXUS fee will get reimbursed instead of GE? They are both from the same "Trusted Traveler" merchant.
I am interested to know this also. Nexus makes a LOT more sense than GE if you live in a bordering state with Canada.
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Old Jul 19, 19, 3:12 pm
  #2460  
 
Join Date: Aug 2006
Location: ATL, BHM, DUB, County Wexford
Programs: DL DM, AA ExPlt, Diamond HH & HY
Posts: 2,983
I love CNB
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