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
Dec 21, 2018, 1:20 pm
#1966
Join Date: Apr 2002
Posts: 2,947
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?
Dec 21, 2018, 1:59 pm
#1967
Join Date: Dec 2018
Posts: 75
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.
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.
Dec 21, 2018, 2:09 pm
#1968
Join Date: Sep 2018
Posts: 80
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.
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:
As for your second question, I believe this is the one you should be using: https://creditcare.cnb.com/CNB_Consumer/Login.do
Dec 22, 2018, 9:50 am
#1970
Join Date: Mar 2015
Posts: 333
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?
)
Dec 22, 2018, 10:46 am
#1971
Join Date: Dec 2018
Posts: 75
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.
Dec 22, 2018, 11:42 am
#1972
Join Date: Mar 2003
Location: Los Altos, CA
Posts: 41
FWIW, this was on a new AU card that I had just requested in the last couple weeks.
Dec 22, 2018, 12:46 pm
#1973
Join Date: Apr 2002
Posts: 2,947
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.
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.
Dec 23, 2018, 10:45 am
#1975
Join Date: Dec 2018
Posts: 75
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
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
Dec 25, 2018, 1:19 am
#1976
Join Date: Sep 2018
Posts: 80
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
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
Dec 25, 2018, 12:59 pm
#1977
Join Date: Sep 2004
Location: The Bay Area, USA
Posts: 158
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.
Dec 25, 2018, 1:03 pm
#1978
Join Date: Sep 2004
Location: The Bay Area, USA
Posts: 158
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.
Dec 25, 2018, 5:10 pm
#1980
Join Date: Mar 2015
Posts: 333