Posted by William Charles on February 9, 2017
Credit Cards

Published on February 9th, 2017 | by William Charles

72

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



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Tiffany
Tiffany

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

Pete
Pete

This is my third calendar year that I’ve been able to use the $250 toward GC (on both my card and one AU). No 1099 for the past two years.

shawn
shawn

Hi Pete,

I heard from different thread that GC purchased by AU didn’t get reimbursed?
Can you please confirm your AU did get reimbursed for GC purchase and what kind of GC? AA, United or Delta?

Thanks!

Luke Bornheimer

+1. Also interested in confirmation about getting AU GC purchases reimbursed.

Luke Bornheimer

So, to confirm, you got an AU card for $0 and the AU card was eligible for the $250 per calendar year airline credit, which can be used for gift cards?

Tom
Tom

Define high net worth please

Jamie
Jamie

I was approved for this card in 2015 with around $100k income. They required a paystub during the application process.

Does anyone know if this card is churnable? I had the card and canceled it this past December, Wondering if I could get the bonus again. Thanks!

Luke Bornheimer

Thanks for the datapoint!

lingua
lingua

did you have a bank account with them prior to being approved?

Brandon
Brandon

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

Tiffany
Tiffany

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.

DataPoint
DataPoint

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

James
James

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.

Young
Young

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

Robin Mahan
Robin Mahan

I was able to apply in a branch in California while I live in Texas.

Raymond L
Raymond L

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….

Son
Son

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.

Joe Shmoe
Joe Shmoe

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

Son
Son

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.

Bodiddely
Bodiddely

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.

Sophie
Sophie

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
Bodiddely

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
Sophie

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 🙁

Ray
Ray

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.

Rambling Man
Rambling Man

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

olympia
olympia

it expires 3/31. Not sure what PP GC from CNB is. Prepaid? PayPal? I’ll try to help.

Tiffany
Tiffany

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

Bodiddely
Bodiddely

You can get a VGC – 105k points for a $1k giftcard.

Tiffany
Tiffany

Thanks a lot.

Raymond
Raymond

How did U get 105k points ? What idies V stand for ? Thanks !

David
David

V for Vendetta…or Visa…your choice

Olympia
Olympia

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.

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