Posted by William Charles on February 9, 2017
Credit Cards city national bank 70000 points

Published on February 9th, 2017 | by William Charles

52

CNB Crystal Visa Infinite 70,000 Points Signup Bonus (with Lounge Access + $250 Airline Credit)

The Offer

No direct link, need to go into a branch for offer. Might be restricted to some branches.

  • Receive a signup bonus of 70,000 points after $5,000 in spend within 90 days of account opening on the City National Crystal Visa Infinite card.
  • There is a $400 annual fee which is waived for the first year.

Card Details

Our Verdict

When they first launched this, it came with a 100,000 point bonus. Last time we saw it was 50,000 points – so this is a mid range offer. This is still a great offer though, you basically get $700 towards travel, $250 in airline incidentals (per card, per calendar year) and lounge access. Kind of hard to beat that value. The main problem is applying and getting approved is difficult, CNB is a very selective bank and they are really after high value/net worth customers.

They also have a commercial (business card) offering 100,000 points if you want to kill two birds with one stone.

Hat tip to reader Jake



52 Responses to CNB Crystal Visa Infinite 70,000 Points Signup Bonus (with Lounge Access + $250 Airline Credit)

  1. Tiffany says:

    Was anyone able to successfully use the $250 credit towards gc? Did anyone receive a 1099 for it?

  2. Tom says:

    Define high net worth please

  3. Brandon says:

    Is the bonus taxed, as noted in the previous post as ‘possible’?

  4. Tiffany says:

    I didn’t see anything in the original write up about using the point for a statement credit/cash back. Is this possible?

    Thanks for the input, and to everyone who responded about GC. Didn’t originally see the post about what triggers the credit.

  5. DataPoint says:

    You most likely need a 6 figure salary to be approved for this card.

    • James says:

      A friend with a 44k salary for the 100k bonus last time around. I myself got it for 62k. They are loose on their definition on high net worth.

  6. Young says:

    I am not living in those states with their branches. Can I apply the card when traveling there?

  7. Raymond L says:

    Thanks for sharing ! Do you know if there is a deadline for this bonus offer ? I just got my AX Enhanced Business Platinum with $15k spending requirement….

  8. Son says:

    I don’t know if this is true. But my friend said that this credit card is managed by Capital One. Is it?

    Because I am blacklisted by Cap. One. I don’t want to waste a Hard Pull trying to apply for this.

  9. Joe Shmoe says:

    Out of curiosity how did you get yourself blacklisted from capital one?

    • Son says:

      I had an ING checking. Changed over to Cap One 360. Only use it here and there. No MS or anything. Transfer money to other accounts and back to try to get the Direct Deposit requirement. Haven’t used it for a year+, and got an email saying they are closing my account. The letter state that I use it for a purpose not intended by their T/C. They closed my credit card also. I had like 90k points. they send me a check for 450.00 🙁

      The email and letter said that I can no longer open an acct. with Cap One.

  10. Bodiddely says:

    Applied in branch yesterday, Banker emailed today I was approved. FICO high 700s, income low 100s. Pulled Experian which had 5 other inquiries in last 6 months and 6 new cards since December (AmEx OBC, 2x Citi AA, Aviator Red, Ritz and Hyatt). Also picked up a Fairmont but that hadn’t reported yet lol. So they seem to be fairly lenient on inquiries and new accounts if your score and income are good. Utilization is 1% or so.

      • Bodiddely says:

        Thanks! I’m out of state FWIW, just happened to be in NYC for work. Had been planning to apply for the card for the travel credit benefits without any signup bonus so that was a nice sweetener. My banker mentioned they plan to open a branch in DC in Q3 2017. I (perhaps foolishly) also opened a checking account with them at the same time; I had read they required a banking relationship beyond opening the CC to apply for it so that was how I started the conversation. Asked to open a savings account and they said you had to open a checking account to get a savings account. Minimum balance to avoid monthly fee is $3500. Will try to extricate myself from this albatross of a checking account at the earliest opportunity without jeopardizing my CC account. Would be interest to hear from others if they have been able to apply/maintain the CC without another banking account.

        My regular banking is with USAA and I have no interest in switching! They offer free checks, $15/month in ATM fee rebates, instantly credit mobile deposits, and make my employer ACH paychecks available a day earlier than my actual payday.

  11. Sophie says:

    How long does it take to be approved? I received an email from Experian that Cnb pulled my credit report. But so far I didn’t get any approval/denial message from banker

    • Bodiddely says:

      I applied early afternoon NYC time. Got an experian pull notice that afternoon and the next day the banker emailed to let me know I was approved.

      • Sophie says:

        Do I need to call my banker or CNB?

        My banker in NYC is not responsive at all. She is not saying anything and not returned to my calls…

        Experian pulled my credit report on Tuesday and so far no updates. I think I am not approved 🙁

  12. Ray says:

    Thanks Williams ! I called CNB credit card’s main line, and was transferred to a branch. I was asked to complete a financial statement. Met the Banker at the branch on Feb 14, and was notified of the approval today. The Banker told me that they are not too concerned with how many inqueries or approvals recently. More concerned on credit score or financials.

  13. Rambling Man says:

    Does anyone know when this 70K point offer expires? Miles and Points posted that it had already expired, but that does not seem right to me.

    On a side note…. To any CNB account holders….Do you know if visa PP GC can be purchased with a CC? CNB has denominations up to 1K

  14. Tiffany says:

    Can the points be redeemed for a statement credit? At what value?

  15. Olympia says:

    Just spoke to a CSR at branch. This offer expires March 31st according to her. They asked for statement of liquid assets and pay stubs. SO applied last week and was approved. I’ll likely apply today and can report back. SO was required to open a savings account first.

  16. Young says:

    Is it required to get approval by the deadline (March 31st) to qualify for the sign up bonus? Heard it took weeks for approval and wondering if it is too late to apply now.

  17. Steven says:

    Does anyone know if CNB asks for SSN for authorized users? I would like to add my SO but she is not an american citizen ( Canadian).

    • rich says:

      On the application form, it says that if the AU is not from the US and does not have a SSN, you have to provide their passport number, country of issuance, date of issuance, and expiration date.

  18. Roberto says:

    Do we add AU during initial app in-branch, or later? Also, any DP’s if it’s a HP for AU’s? Do they need SSN?

  19. Rich says:

    When I filled out the application, I did not see anything about the sign-in bonus. Am I missing something? I did not ask the banker about it. I’ll ask him once I get the results back.

  20. Helmholtz says:

    Applied today. Banker was pretty interested in getting other signups too — gave me his card and told me to tell my friends before the promo ends. Soft sell on establishing a bigger relationship with CNB.

    Only asked for the statement of assets on the application, and the paystubs (which could be submitted by email).

  21. Rambling Man says:

    The easiest way to get this card is to establish a free checking account. From there you can apply online. No paystubs, no crazy questions or statements of assets. It is still an unusual application process, but much easier if you already have an account. Also pick a checking account with a personal banker option as he or she will be your point person for any problems, It seems like the personal bankers here have a lot of discretion over your accounts. They may even make the decision on your approval.

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