Posted by William Charles on August 1, 2017
Credit Card Offers

Published on August 1st, 2017 | by William Charles

105

[Expired] City National Bank Crystal Visa Infinite 50,000 Point Sign Up Bonus ($400 AF Waived First Year, Lounge Access & $250 Travel Credit)

This deal has expired, click here for a list of the best credit card bonuses.

The Offer

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

  • Receive a signup bonus of 50,000 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

  • Unlimited Priority Pass Select lounge access for two and their guests (e.g. one primary and one authorized user card + guests)
  • $250 airline credit for eligible incidental charges per card per calendar year; each authorized user also gets the $250 benefit separately, up to three AUs. View what does/doesn’t trigger the credit here
  • $100 companion fair discount, this can be repeated
  • $100 Global Entry Credit
  • Crystal Card Concierge service
  • Visit Infinite Benefits
  • 12 free Gogo passes annually
  • Available to U.S. Citizens only (resident was successful here)
  • Bonus Points offer is limited to City National Bank clients and colleagues who do not currently have, and have not had within the 24 months prior to the date of application, a City National Bank Visa personal credit card account (this comes directly from an e-mail they sent announcing the offer).
  • Read the full review here.

Our Verdict

When the card first launched it had a 100,000 point sign up bonus, most recently it had a 70,000 point bonus so this offer is on the lower side (they did have another 50,000 point in August of last year as well). I doubt we will see another 50,000 point bonus but I wouldnt’ be surprised to see 70,000 points again. 50,000 points is still a great offer (worth $500 towards travel) as you’ll be able to easily double dip the airline credits and also do it for the authorized users. I think this card probably has the most insane value currently if you’re maximizing the airline credits for yourself and the authorized users. Because of that I will be adding it to our list of the best credit card bonuses, even though this isn’t the highest offer we’ve seen on this card.

The downside is that getting approved can be difficult. You need to go in branch to apply branches are in: NY, DE, GA, TN, NV & CA, with the vast majority of branches in California [branch locator here]. They are also a very selective bank looking for high networth/income individuals (although some reports of people getting approved with lower salaries). You should also be able to apply in branch even if you don’t live in a state with branches. If you live near a branch or are planning to be near a branch at any stage I definitely think this card is worth applying for.

I suspect there is also a bonus on the commercial card, if anybody finds out please let us know. No bonus currently on Commercial card.

Hat tip to reader Wouldntbetonit



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105 Comments on "[Expired] City National Bank Crystal Visa Infinite 50,000 Point Sign Up Bonus ($400 AF Waived First Year, Lounge Access & $250 Travel Credit)"

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LC
LC

Last month went to vegas for Chase checking churn,
Next month going to vegas for Crystal Visa Infinite churn.

What a life

ElJefe
ElJefe

Timing is everything in this hobby. I drove from southern Maryland to north Delaware on Thursday only to find that the deal had expired. And that the nearest branch is in NYC not Delaware. 4 days later, poof, the bonus is back. Maybe I’ll get the Amtrak card, ride to NY and see a show. And grab a bonus.

Mitch Cumstein
Mitch Cumstein

Dude, the Delaware office is a trust office, not a branch office. I used to work there. Don’t go there to apply for a credit card, you will be turned away.

ElJefe
ElJefe

I figured that out when I finally read the full review more closely and noticed DE isn’t one of the stated that the offer was valid. I did cruise around Philly doing MS till 10pm so it wasn’t a total waste.

JT
JT

Even if you value the airline credits conservatively @ $200 cash, that’s still over $1500 in value right there. I wish I could apply for this card.

Rob
Rob

Remind me what I should bring with me to the bank? Tax returns? net worth statement?

king king
king king

only for US Citizens.

Max
Max

Wow goodness what unnecessary racism.

king king
king king

flown from florida to las vegas for applying this card/ leisure trip. Disappointed to know , they take applications only for US Citizens

TYRONE
TYRONE

how is that racism?

CryptoChrist
CryptoChrist

It isn’t. He just was told that it is racist to be American… Told how to think. Free yourself, Max.

Mist Soalar
Mist Soalar

It’s interesting that the CNB became part of canadian bank back in 2015. Not sure if they still are, but interesting.

Max
Max

I’m a us resident and got approved for the card. So citizenship is not required, but permanent residency probably is.

Shahid
Shahid

Damn! Thanks for letting us know.

The Value Traveler
The Value Traveler

Too bad they don’t have airport branches.

Pat S
Pat S

Is this churnable? Can you get the bonus more than once – I’m about 35 miles away from a branch might have to try it friday

Morg
Morg

24 months since last having a CNB card and you are eligible again

Jeremy
Jeremy

I’ve tried at several branches in California when I was there. They told me I had to be a resident

Paul
Paul

Any data points for getting approved as self employed? Also, which CB they pull in CA?

SnowTiger7
SnowTiger7

I opened a checking account 2 months ago with this bank (because if you have a checking account I can apply online for their credit cards)
on the online application there no mention of 50000 points, mind telling us where did you see it?
As always thanks

Aaron
Aaron

Is the airline credit automatic? Or do you need to call in for it?

Ryan
Ryan

Authorized users are eligible too? Is there a fee to add an AU? If not, WOW! Not a lot of datapoints on what triggers the travel credit but still, with a first year AF waived this is pretty solid

Miles Hustler
Miles Hustler

Can the points be redeemed for cash back on the account–e.g. a statement credit, and if so, at what rate?

zalmy
zalmy

Wow, this value sounds absolutely insane. No AF, and double-dipping $250 credits for yourself and 3 AUs? Forget about the points (and global entry, PP, etc.), that’s $2,000 in value right there! Off to NYC I go..

Ryan
Ryan

Some DPs from my experience with them:
I applied for this card a couple months ago and was declined for “Income Insufficient for amount of Credit Requested”. The banker put in a request of a $15K credit limit, which would have been on the lower end of my other cards. (They said income was insufficient for $10000, too) They pulled Experian, but didn’t give me a score, so I don’t know the scoring model they use. My FICO 8 was probably around 750 at the time, with no negatives. My income is over 100k, utilization is 7%, and low-DTI, so I’m not sure what they’re expecting for income or if that was a bogus reason. I applied over the phone with a banker, then went into a (different) branch and signed the paperwork, and provided pay stubs and W-2s.

Everyone I dealt with was extremely nice and friendly, so it was disappointing I couldn’t do business with them!

Daniel
Daniel

I went into a branch to apply. They asked if I had an account with them. When I said no, they said that they mostly serve the music industry and work on personal relationships. No-go here.

Rob
Rob

I saw a sign in downtown Washington, DC that said they were opening a branch there soon. Peering in the windows, it didn’t look to be all that close to opening, though.

Charlie
Charlie

Where in downtown Washington DC? I’m local.

Rob
Rob

20th and M Street, NW.

Nick
Nick

I went into a branch today and asked about the 50k promo and they said it was only for current customers. I was given an application that I could mail back in after my new checking account had been open for 30 days. I could have applied for the card without the bonus but I decided to wait the 30 days and see what happens then.

Jim
Jim

Hi Nick,

Any updates on your application process?

Lauren
Lauren

Oh man I’m going to be in San Jose in two weeks for work! Score!

Blueberry
Blueberry

A representative on the phone (for branches in LB and Los Alamitos) told me this offer (account opened by 09/29) was for targeted customers only. She said the deadline to public was in July. 😬🙁

rfisher9
rfisher9

Called my local “branch” (ATL). Isn’t actually a branch just an office. DP for any Atlantians out there…

Waqas Abid
Waqas Abid

I called the Delaware branch office and they told me that since their office/branch is not a consumer/ public branch I cannot open an account in delaware. So Delaware should be taken off this list

Kumar
Kumar

Data point : Have checking Account with them and residing in the state outside their service area. Applied for this card through my banker and got approved. US Resident. So still possible to get this card for non US Citizens.

king king
king king

@ Ralph.

Can you confirm , if this card is open for Non us residents ?

Ralph Rodriguez
Ralph Rodriguez

Greeting to all,

A recurring question that has been presented to me is whether or not non-resident individuals can apply for the Crystal Infinite Card. At City National Bank, we tend to lend to U.S. Citizens or U.S. Permanent Residents.

That being said, there are a number of you who are in the final stages of getting your Green Card, but due to the backlog at the U.S. Citizenship and Immigration Service (USCIS), are residency status is on pause. I am reaching out to my Head Underwriter in regard to this situation.

More to come!

Ralph

Raj
Raj

Ralph,

Question – can I apply over the phone with you or do I still need to go into the branch? I’m a new customer so don’t have an account with you guys either.

Thanks.

Ralph Rodriguez
Ralph Rodriguez

If you can, please reach out to me at ralph.rodriguez@cnb.com or (212) 597-0119. Thanks!

king king
king king

Thanks Ralph. Hoping , it will be resolved soon for Non US Residents.

Arthur
Arthur

Hi Ralph,

Any updates regarding this citizenship requirement? An added note: U.S. resident (for tax purposes) is not equal to US permanent resident (for immigration purposes). Many US citizens or permanent residents and even people who are not either don’t understand this. I am suspecting that should there be any requirements, it is likely for tax purposes, instead of immigration, as is the practice for many bank (non credit card), Although that’s all my speculation, I’d appreciate it if you could clarify that with your head underwriter.

That being said, do you guys still have any bonus currently? I’ve seen some people saying yes for mail-in applications despite the official date is past. Is that true? If so, do you still accept phone calls from people?

Thanks,
Arthur

Arthur
Arthur

further clarification, IIRC all US permanent residents are considered US resident for tax purposes, but a person can be US resident for tax purposes without being a permanent resident or citizen.

Disclaimer: I am not a lawyer and above are not to be taken as legal or financial advice

Ralph Rodriguez
Ralph Rodriguez

Hi Arthur,

For our purposes, when we say “U.S. Permanent Resident”, it is for immigration purposes. The bank wants to know an applicant has a vested interest in paying their debt obligations here in this country. As of now, there is no sign-on bonus for the Crystal Visa Infinite card, but that could change at any time. Of course, you may contact me at (212) 587-0119 or ralph.rodriguez@cnb.com. Have an amazing and prosperous day!

Ralph Rodriguez
Ralph Rodriguez

Sorry, I mistyped my phone number – (212) 597-0119.

Peter
Peter

DP: Applied in a NYC branch about a week ago. No prior relationship with the bank – I live and work in NJ. I said that I was visiting NYC for the day, heard about the bank and wanted to know what they had available. They took a copy of my license, I had to fill out a paper application, and then I had to provide a recent paystub and my latest W-2. Was approved for a $10K limit based on a $60K salary. The individual I spoke with was delightful and happy to help me through the process.

If you can make the trip to a nearby branch I highly recommend it. Very friendly staff and a smooth application process.

Joshua Kaplan
Joshua Kaplan

What was the location of the NYC branch? I live in manhattan and sounds like you picked the right branch

Peter
Peter

I visited the 6th Ave branch (1140 6th Ave, New York, NY 10036). I highly recommend a visit if you can make it.

Joshua Kaplan
Joshua Kaplan

I normally avoid mid-town at all costs but I guess I can make an exception here haha. Cheers!

Sid
Sid

Can anyone chime in on if they received a 1099 for the signup bonus and/or the authorized user credits for this card? Will determine my decision. Grateful for any hard data points. Thanks peeps!

Yu
Yu

No. CNB didn’t send 1099 in the last a couple of years.

Sid
Sid

Thanks a lot for the fast response Yu!

RV
RV

I applied like 2 weeks ago and just got my card.

The packaging is different from CHASE and AMEX in that it doesn’t tell me what my CASH ADVANCE limit is, it doesn’t tell me what credit bureau was pulled and its corresponding credit score.

It also doesn’t tell me in my welcome information about the 50,000 point bonus. In fact, I can’t even find it on the website… just on this page from the Doctor of Credit.

I’m going to call in a bit to see what’s going on.

Bill
Bill

Anyone else having a hard time adding Authorized Users? They’re making me fill out a form with AU’s personal info (SSN, mother’s maiden name, etc.). I feel like name, address, and phone should suffice…

Shane

what’s more its a paper form processed manually by a human.

Bill
Bill

yeah, i fought back and was able to just provide the last 4 SSN and DOB of AUs. Apparently, it’s only needed for ID purposes if the AUs ever called in.

Other observation. They seem to be pushing the direct relationship between the you and the Relationship Manager (or whoever signed you up). Calling the bank for help, they always direct you to the Relationship Manager to assist (what’s the point of the 800 #?). Great if you like speaking on the phone and having that relationship/service. Not great if you don’t want to want things done quickly or online without having to speak to anyone.

Vic
Vic

Filled out app in the downtown San Jose office, smooth process, turned in last two pay stubs and even got the cards rushed delivered.

I know that the AU cards each get their 250 incidental credit, but can folks provide some DP’s on whether the each AU receives the Global Entry credit? or is it just for the main card holder?

Thanks,
Vic

tribesman55
tribesman55

How many days between application and approval was it for you?

V
V

Was about 5 business days from app to approval.

Also, confirmed with reps that global entry credit is for each card.

Ryan
Ryan

Has anyone tried using this card to fund a bank account? There are no DPs on DOC. Would really like to knock this out with CC funding.

RV
RV

I have tried funding a bank with this card.

First it took a week just to get them to change the Cash Advance limit (which by the way, is not listed at all with the other pertinent info like the CL) to zero. I Lear es that it’s usually 30% of the CL.

I wanted to fund BBVA all the way up the $5k. Initially it did accept it through online instructions. Within a few hours I got an email from BBVA saying that my card was rejected, and that I need to send a check for $5k. I called in BBVA and CNB to see what’s up. BBVA said it’s all good on our end. CNB said that they denied it because the request came in as a Cash Advance, not credit purchase, and since my CA was set to ZERO, they didn’t approve it.

tribeman55
tribeman55

How do you confirm your account is enrolled in the 50k bonus? There is no mention of it anywhere on the application. Is it that you just need to open a Crystal Visa before 9/29 to be eligible for the bonus?

Any DPs?

tribesman55
tribesman55

Not sure if anyone knew but CNB changed the Visa GC markup on their rewards website from 5% to 30%

RV
RV

Meaning you get 30% more? Or it costs 30% more?

tribesman55
tribesman55

It costs 130,000 points now instead of 105,000 for a $1000 gift card. So yeah, terrible now.

MaLaCoiD
MaLaCoiD

I snoozed on this deal! I can still apply tomorrow (Thu 09/28? Going to Carlsbad branch- any data points from there?

tribesman55
tribesman55

Don’t bother, I’ve spoken to reps in branch and on the phone, in order to be enrolled into the bonus offer the account has to be OPEN before 9/29 and it takes them at least 4 business days to get you approved and get a CC number generated into their system.

MaLaCoiD
MaLaCoiD

Thanks for the disappointing but frustration-saving data point!

Jack
Jack

This is definitely not true. I went in 9/28 and my rep said the account need to be generated by 9/29. I applied on 9/28, got approved 2 hours later and got an email from him the same day saying account number was generated and my card will arrive soon.

Shane

DP: Met min spend within first month. Statement posted with no points bonus but did have regular accrual. I rang the call centre to inquire and was told that the bonus posts after the full 90 days have elapsed.

tribeman55
tribeman55

Hopefully it posts sooner, if you check the older Crystal Visa Doc posts you will see that people received their bonus points in much less time.

Ralph Rodriguez
Ralph Rodriguez

This is Ralph Rodriguez from City National Bank again. Hope everyone is well. A question I have been receiving a lot over the past few days us whether or not there will be a new round of sign-up bonuses for the Crystal Visa Infinite Card. At this time, we haven’t received any word on that. However, a lot of the new clients I have been fortunate to connect with have been applying for the card without regard to sign-up bonuses. The travel and concierge benefits of Crystal Visa Infinite are so powerful. As a profile, most of those clients are/were holders of the Chase Sapphire Reserve card or AMEX Platinum card. In the end, we were able to differentiate ourselves due to the few structure and extended benfits to authorized users. A good number of you have already been in contact with me, so I hope you get the feeling I am both eaay-going and informative. If anyone has specific questions about the Crystal Visa Infinite card, or general questions about how to leverage your credit power to the fullest, touch base with me at ralph.rodriguez@cnb.com or (212) 597-0119. The one thing I can guarantee is a worthwhile conversation. May your credit limits be high, and your credit balances be low!

tribesman55
tribesman55

Hi Ralph thanks for all the information. Do you know how the sign up bonuses work for City National cards? It seems to be that there is a date range window where anyone who signs up for the card and approved/account opened is enrolled in the bonus, is that true?

Ralph Rodriguez
Ralph Rodriguez

This is correct. More specifically, the credit application must be approved and the card number generation or before the date of expiration. Keep in mind there are sign-up bonuses for different segments. The bonus period that just past was available to all who were able to qualify for the card. However, for time to time, there are other offers we reserve for current clients, as well. From reading the posts on DoC as well as other sites, this is probably why there is an air of mystery about the other card.

I know a lot of people out there are serial internet researchers who prefer to go on their own and limit human interaction with their finances as much as possible. Understandably, there is so much noise out in the eletronic ether that it is natural to want to sift through for the best deals. On occasion, it is good to talk to someone in the industry one-to-one. Just make sure they have your best interests at heart!

Ralph Rodriguez
Ralph Rodriguez

New update on sign up bonuses for the Crystal Vusa Infinite card. Starting January 16, 2018, the 50,000 point bonus will be an indefinite part of the card for new clients. Just spend $5,000 on the within the first 90 days. Also, if you spend $50,000 on the card annually, you will get an additional $550 statenent credit for any airline club membership. Keep in mind that the $400 annual fee will no longer be waived in the first year, no exceptions! I know I have helped a lot of people on this thread with the card as I am a Banker at City National. If anyone has any questions, please contact me at (212) 597-01119 or ralph.rodriguez@cnb.com. Have an amazing and prosperous day!

Ralph

Bill
Bill

Hi Ralph,

Thanks for the information. Can you confirm if each AU is eligible for the Global Entry application fee credit? Or does the main account holder only receive the Global Entry fee credit?

Ralph Rodriguez
Ralph Rodriguez

Hi Bill,

Each AU does receive the Global Entry application fee credit, as does the primary account holder. It is a competitive advantage the Crystal Visa Infinite card has over other premium travel credit cards.

Ralph Rodriguez
Ralph Rodriguez

There are other benefits about Crystal Visa Infinite I did not mention. As a Crystal Visa Infinite cardholder, you will receive ongoing invitations to a lot of cultural and entertainment events. Case in point, we were offering seats to the Coldplay concert that was in Pasadena, CA recently as well as the Charlie and the Chocolate Factory play in New York City on Broadway. Depending on the event, it is on a first come, first serve basis. However, we block out slots for these events for our Crystal cardholders.

Moral of the story – if you’re going to get a premium credit card and pay an annual fee, ensure to milk EVERY single benefit for what it’s worth! Sign-up bonuses and travel credits are good, but concierge services offered on cards like Crystal Visa Infinite put it over the top.

If anyone has questions about Crystal Visa, please contact me at (212) 597-0119 or ralph.rodriguez@cnb.com.

RV
RV

Ralph, I have a question. I was able to meet my minimum spend for the card, and got the 50,000 bonus points.

I like to usually redeem it for statement credit. I noticed though that the points per cents redemption structure is WORSE that everyone else’s.

American Express is 1 MR = 1 cent (or better sometimes)
Bank of America is 1 Point = 1 cent
CHASE is 1 UR = 1 cent (or better sometimes)
Wells Fargo is 1 Point = 1 cent

For City National Bank, 1 Point = 0.8333 cents

Why isn’t it 1 point = 1 cent just like everyone else when it comes to redemption?

The 50,000 bonus points does not mean $500 for statements credit redemption us $416.65.

AL
AL

If you are comparing apples to apples, Amex MR are only .006 for statement credits.

AL
AL

…unless you go the extra mile for Schwab, but that’s still not apples to apples.

tribesman55
tribesman55

Both me and my wife’s 50k bonuses posted today! That was quick!

Kumar
Kumar

50k Bonus points posted within week of meeting 5K spend requirement.

Edward
Edward

Just got approved for this credit card. Not even sure if there are any sign up bonuses. Can anyone confirm? I applied for this card about 2-3 weeks ago.

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