Nov 6, 2015, 11:03 pm
Last edit by: mia
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 (cno.cnb.com). This changed on Sept 19 2019.
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 - STARTING JAN 1ST, 2020 THE CREDIT WILL BE $350 PER ACCOUNT
$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.- STARTING JAN 1ST, 2020 EACH ADDITIONAL GUEST BEYOND ACCOUNT HOLDER WILL BE CHARGED $32
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 - STARTING JAN 1ST, 2020 THIS WILL NO LONGER BE OFFERED AS A BENEFIT
$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
HA: Interisland Flight, $48.80
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
STARTING JAN 1ST, 2020 there are going to be major changes to this card, these being:[/s]
Sources:
discussion starting here
https://www.cnb.com/content/dam/cnbc...ewards2020.pdf
https://www.cnb.com/content/dam/cnbc...rystal2020.pdf
Past bonuses were:
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 (cno.cnb.com). This changed on Sept 19 2019.
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.
*(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 - STARTING JAN 1ST, 2020 THE CREDIT WILL BE $350 PER ACCOUNT
$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.- STARTING JAN 1ST, 2020 EACH ADDITIONAL GUEST BEYOND ACCOUNT HOLDER WILL BE CHARGED $32
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 - STARTING JAN 1ST, 2020 THIS WILL NO LONGER BE OFFERED AS A BENEFIT
$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
HA: Interisland Flight, $48.80
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
STARTING JAN 1ST, 2020 there are going to be major changes to this card, these being:[/s]
$350 airline incidental credit per account (was $250 per AU)$95 Annual Fee per AU$32 per guest using PriorityPass (used to be free & unlimited)Elimination of $100 Visa Air Discount BenefitGroceries and Gas only earn 1x (used to be 3x)
discussion starting here
https://www.cnb.com/content/dam/cnbc...ewards2020.pdf
https://www.cnb.com/content/dam/cnbc...rystal2020.pdf
City National Bank Crystal Visa Infinite (USA); NY GA TN NV CA MA DC & MN
Nov 2, 2018, 5:46 pm
#1771
FlyerTalk Evangelist
Join Date: Dec 2002
Location: Danville, CA, USA;
Programs: UA 1MM, WN CP, Marriott LT Plat, Hilton Gold, IC Plat
Posts: 15,720
This was application #3 of my annual mini-apporama today and thought I would share the experience. Was greeted by the branch manager, who promptly handed me off to an associate to print a paper app for me to complete. I came prepared with a copy of my paystub and W2 form (the former was requested, the latter was not). Eventually a more senior banker came by to discuss their trust and investment services. Personally I think this is a much smarter business model than BofA, Citi etc. as their objective is to establish a banking relationship with qualified customers. Along the same lines Chase has been fairly successful with CSR but they probably get a higher % of churners from the online app process.
How long does approval normally take? Would like to activate the PP membership in the next 2 weeks before an upcoming trip.
P.S. No credit report pulled yet - I guess they decided not to process until Monday. Which means I have to unfreeze my report again (sigh). Update: EXP Report was pulled 2 bus days after application.
P.P.S. Unimpressed so far. App was sent out for “processing” still no CR pull. Compare to Amex (applied same day) - received card yesterday via UPS overnight ^ ^ ^
How long does approval normally take? Would like to activate the PP membership in the next 2 weeks before an upcoming trip.
P.S. No credit report pulled yet - I guess they decided not to process until Monday. Which means I have to unfreeze my report again (sigh). Update: EXP Report was pulled 2 bus days after application.
P.P.S. Unimpressed so far. App was sent out for “processing” still no CR pull. Compare to Amex (applied same day) - received card yesterday via UPS overnight ^ ^ ^
Last edited by Boraxo; Nov 8, 2018 at 8:43 am
Nov 4, 2018, 12:29 pm
#1772
Join Date: Jan 2013
Location: CA
Posts: 91
I've had the City National for 3 years now with 3 AUs (my wife and parents). I'm really loving the credits every year.
Has anyone been able to get another card for someone who is already an AU? I was thinking of getting one for my wife.
Also, has anyone gotten the card for a spouse who is not employed (or not gainfully employed) using your own paystubs / W2s?
Has anyone been able to get another card for someone who is already an AU? I was thinking of getting one for my wife.
Also, has anyone gotten the card for a spouse who is not employed (or not gainfully employed) using your own paystubs / W2s?
Nov 4, 2018, 7:59 pm
#1773
Join Date: Sep 2018
Posts: 80
I've had the City National for 3 years now with 3 AUs (my wife and parents). I'm really loving the credits every year.
Has anyone been able to get another card for someone who is already an AU? I was thinking of getting one for my wife.
Also, has anyone gotten the card for a spouse who is not employed (or not gainfully employed) using your own paystubs / W2s?
Has anyone been able to get another card for someone who is already an AU? I was thinking of getting one for my wife.
Also, has anyone gotten the card for a spouse who is not employed (or not gainfully employed) using your own paystubs / W2s?
I don't want to sound like the ethic police here, but rather I would like to at least TRY to enjoy this benefit forever. If too many people start over-abusing this card, this benefit WILL GO AWAY FOR EVERYONE. It's just the rule of life. This is not a big bank so there's only so much they can throw at this. Please be grateful and considerate you're getting all your incidental travel credits + 2 unlimited priority pass cards + visa infinite travel credit.
Don't you see this is too good to be true? stop thinking how to ruin it for everyone!!
Nov 4, 2018, 10:25 pm
#1774
Join Date: Nov 2013
Programs: AS Gold, Hyatt Diamond, Starriott LTPP
Posts: 341
Nov 6, 2018, 12:56 pm
#1777
Join Date: Oct 2006
Posts: 191
Concierge
Can anyone comment on the quality of the concierge service for travel planning? Is this Visa's service, Aspire/VIP Desk, Ten Group, etc. and any idea what level within the concierge vendor? Good/bad experiences?
I have used various credit card concierges for travel planning over the past 10+ years and had more disappointing experiences--and over time lowered my expectations. However, I have used the UBS Visa Infinite concierge through Aspire/VIP Desk and have had great experiences so far--raising my expectations. I am now trying to decide if I move from UBS Visa Infinite to CNB Visa Infinite and if the concierge will be a loss or a neutral to what I have now.
I have used various credit card concierges for travel planning over the past 10+ years and had more disappointing experiences--and over time lowered my expectations. However, I have used the UBS Visa Infinite concierge through Aspire/VIP Desk and have had great experiences so far--raising my expectations. I am now trying to decide if I move from UBS Visa Infinite to CNB Visa Infinite and if the concierge will be a loss or a neutral to what I have now.
Nov 6, 2018, 2:04 pm
#1778
Join Date: Jul 2014
Location: Western US
Programs: Costco Executive Member, Amazon Optimus Prime
Posts: 1,251
What exactly do you use the concierge for?
We've used the Ten Group for getting a hotel in a crisis situation, and they did a good job. (Actually it was very impressive)
But most of the time, I can't see what how concierges would help over what I can do myself.
I'm not looking for last minute tables at Per Se or French Laundry, or Super Bowl tix etc.
We've used the Ten Group for getting a hotel in a crisis situation, and they did a good job. (Actually it was very impressive)
But most of the time, I can't see what how concierges would help over what I can do myself.
I'm not looking for last minute tables at Per Se or French Laundry, or Super Bowl tix etc.
Nov 6, 2018, 4:46 pm
#1779
Join Date: Oct 2006
Posts: 191
What exactly do you use the concierge for?
We've used the Ten Group for getting a hotel in a crisis situation, and they did a good job. (Actually it was very impressive)
But most of the time, I can't see what how concierges would help over what I can do myself.
I'm not looking for last minute tables at Per Se or French Laundry, or Super Bowl tix etc.
We've used the Ten Group for getting a hotel in a crisis situation, and they did a good job. (Actually it was very impressive)
But most of the time, I can't see what how concierges would help over what I can do myself.
I'm not looking for last minute tables at Per Se or French Laundry, or Super Bowl tix etc.
Nov 7, 2018, 5:50 pm
#1782
Join Date: Sep 2006
Posts: 524
Is there consensus on the best value for redeeming points? A search through the merchandise section shows the best you can do is .83 cents per point for cash (e.g., 12,000 pts for $100). Or in travel, I noticed that compared to Google Flights the equivalent flights were about 7-15% more expensive via the travel portal, meaning, around .93 cents per point for travel (assuming that 100 pts can be used for $1 of travel, which I cannot test as I have 0 points at the moment).
Is the above roughly accurate or is there a better option at 1 cpp or better? Thanks.
Is the above roughly accurate or is there a better option at 1 cpp or better? Thanks.
Nov 8, 2018, 8:06 am
#1783
Join Date: Aug 2012
Posts: 779
Nov 8, 2018, 8:30 am
#1784
Join Date: Aug 2010
Location: CLT
Programs: AA, UA, BA, Hilton Diamond, Marriott Gold, IHG Platinum
Posts: 2,074
Is there consensus on the best value for redeeming points? A search through the merchandise section shows the best you can do is .83 cents per point for cash (e.g., 12,000 pts for $100). Or in travel, I noticed that compared to Google Flights the equivalent flights were about 7-15% more expensive via the travel portal, meaning, around .93 cents per point for travel (assuming that 100 pts can be used for $1 of travel, which I cannot test as I have 0 points at the moment).
Is the above roughly accurate or is there a better option at 1 cpp or better? Thanks.
Is the above roughly accurate or is there a better option at 1 cpp or better? Thanks.
Nov 8, 2018, 8:57 am
#1785
Join Date: Sep 2006
Posts: 524
I'm pretty new to CNB as well, but I do have points so I can see the valuations. For a run-of-the-mill domestic round trip I'm looking at, AA charges $422.90 while CNB charges $450.59 (6.55% more). In points, CNB charges 33,378, which is a 1.35 cpp redemption against CNB's $450.59 price, or 1.27 cpp against the true $422.90 price. So even with the questionable cash premium, it definitely beats the cash option by a longshot.