CNB Crystal Visa Infinite Credit Card

CNB Crystal Visa Infinite Credit Card

FM Mini Review: This card is really difficult to get, but it's a no brainer to keep since the rewards are worth far more than the card's annual fee.

Card Type: Visa Infinite


Earning rate: ⚬ 3X gas, grocery, airline, hotel, taxi, limousine, rental car, train bus, restaurant, fast food and takeout food and dining purchases ⚬ 1X everywhere else

Big spend bonus: Get reimbursed up to $550 for airline lounge club membership after $50K calendar year spend.

Noteworthy perks: ⚬ Up to $250 a year in statement credits for airline incidental fees per card (you can have up to 3 authorized users) ⚬ 12 Gogo In-Flight Wifi passes per card ⚬ $100 Global Entry fee reimbursement ⚬ Priority Pass lounge membership for 2 cardholders. (Includes unlimited guests.) ⚬ Visa Infinite Discount Air Benefit

See also: The amazing CNB Crystal Visa Infinite Card. A deep dive.


  • 3X Earning Rate for gas, grocery, travel, and dining: This is probably the most rewarding uncapped grocery spend card on the market. Those who manufacture spend at grocery stores should take notice.
  • Points worth up to 1.25 cents each towards flights: Usually points are worth, at most, 1 cent each for rewards, but when you book flights with points, I find that the value typically ranges from 1.15 to 1.25 cents per point.


This card offers a tremendous selection of perks:

  • $250 Airline Incidental Fees Statement Credit (up to $1,000 total): Each year you can get up to $250 of airline fees reimbursed for each CNB Crystal card you have. So, if you have one primary card and three authorized users, you can get up to $1,000 in fees reimbursed each year. This works with US domestic carriers only. This is intended to be for fees such as ticket change fees, checked bag fees, etc., but many things that aren't supposed to get reimbursed do in-practice. Readers have reported success with getting reimbursed when buying airline gift cards directly from airlines. I've had a lot of success with charging Delta award fees to the card, as long as the fees were under $75 or so. Very small airfare tickets would probably also work. A reliable trick is to pay for most of a ticket with airline gift cards and the rest directly with the credit card.
  • Airline Lounge Membership Fee Statement Credit with $50K Spend: Reimburses up to $550 towards an airline lounge membership. Request for reimbursement must be made in the same calendar year in which the charge was recorded. In order to get reimbursed, you must have spent $50K on your CNB card in the current or prior calendar year. Note that they will not reimburse the part of the lounge membership fee that was already reimbursed by the $250 airline incidental fee credit, so make sure to use up your airline fee credits before purchasing a lounge membership.
  • Priority Pass with unlimited guests: With your CNB card, you get two full Priority Pass memberships that each allow unlimited guests. When you have multiple authorized users, the primary cardholder can choose which two cardholders get this benefit.
  • Gogo Infight Wi-Fi: 12 in-flight passes per year per card. If you have 3 authorized users, you can load all 48 passes to your Gogo account if you want to, or each cardholder can get 12 of their own. Each pass only works for one flight segment and they do not work for international flights (for international Gogo passes, you'll want the Amex Business Platinum card).
  • Visa Infinite Discount Air Benefit: Save $100 on each 2 (or more) person round trip domestic flight purchased through this website. We reported this feature previously, here: Bet You Didn’t Know: A Repeatable Companion Airfare Discount with the CNB Crystal Visa Infinite.
  • Global Entry Application Fee Statement Credit: $100 per 4 years per cardholder
  • GroundLink: $30 one-time credit. 15% discount ongoing.
  • Troon Rewards and Troon Prive' Golf Privileges:. Save on golf tee times, merchandise and instruction. Automatic Silver status with Troon Rewards (or upgrade to next level if you already have status).
  • Personal Identity Theft Protection: CNB reimburses expenses incurred to restore your identity, up to $15,000. Covered events include theft or unauthorized or illegal use of your name, transaction card account or account number, Social Security number, or any other method of identifying you.
  • Miscellaneous: Broadway League, Crystal Card Concierge, Crystal Card Experiences, Visa Infinite Luxury Hotel Collection, Visa Infinite Hotel Privileges, Visa Infinite Car Rental Privileges

Travel Protections

Unfortunately, CNB's travel protections fall well short of best-in-class protections. You can find a comparison here: Ultra-Premium Credit Card Travel Insurance.You must pay for travel in-full with your CNB card for the following travel protections:
  • Auto Rental Collision Damage Waiver: Primary coverage. Not available on cars with retail values above $75K. No benefit is provided in Israel, Jamaica, the Republic of Ireland, or Northern Ireland.
  • Emergency Evacuation and Transportation: Up to $10K. Secondary coverage.
  • Hotel Theft Protection: Up to $1,000. Valid for hotels in the US and Canada only.
  • Lost Luggage Reimbursement: Up to $5,000.
  • Travel Accident Insurance: Up to $1M
  • Trip Cancellation / Interruption: Up to $5,000.
  • Trip Delay: Up to $500 per ticket for trips delayed 6 hours or more.
  • Travel and Emergency Assistance Services: You get to talk to someone over the phone for free, but you'll pay for any services they refer you to.
CNB also offers Roadside Dispatch for towing, tire changing, jump starting, lockout service, fuel delivery, and winching, but they charge $59.95 per service call (several other premium cards offer this for free).

Purchase Protections

You must pay in-full with your CNB card when purchasing items in order to get the following protections:
  • 60 Day Price Protection: Reimburses difference if price drops. Max $1,000 per item, $4,000 per year.
  • 90 Day Purchase Security: Covers items stolen or damaged. Max $10K per claim, $50K per year.
  • 90 Day Return Protection: Covers your cost If you are unsatisfied with item and merchant won't accept a return. Max $300 per item, $1,000 per year.
  • 1 Year Extended Warranty: Covers up to original price of item. Max $10K per claim, $50K per cardholder.

Application Tips

While some have had success signing up for the card over email in the past, CNB usually enforces an "in-branch only" rule. And CNB is hardly everywhere. Here's the latest branch map that they show on their site ( If you live near one of their branches, or can stop by during a trip, that's probably your best bet.

Apply via Phone?

CNB's website implies that you can apply via phone, so that may be worth a try. This is from the CNB website regarding applying for the card:
Contact your local City National banker, or call us at (800) 773-7100.

Apply online?

If you are already a CNB client, you can log into your account and apply online. The CNB website states:
Already a City National client? Click here to log in to City National Online and apply.
You can become a CNB client by signing up online for a checking or savings account, but only if you bank in one or their supported states. Their website currently lists the following:
City National Bank has office locations in California, Georgia, Minnesota, Nevada, New York, Tennessee and Washington, DC."
The website, though, doesn't ask which state you live in, but rather which state you bank in. Can you pick one of these to bank in and sign up online even if you don't live in that state? Maybe. If you try it, please let us know how it goes.

$100K+ income?

If you get through the hoops required just to be able to apply for the card (as described above), you still might not get approved. CNB is looking for high net worth customers. One banker I talked with wouldn't give me a hard and fast rule, but said something like "$100K or more income would be good." I'm sure people have been approved with lower incomes, but if you earn much less than that, it's probably not worth your time applying.

The hardest credit card application ever

Once you figure out how to apply for the card, you may be in for a shock as to how much info they request for your application. A few years ago I signed up via email when that path was still available. Here's the info I had to provide in addition to basic info required in the application form:Primary Cardholder (i.e. me):
  • Income Verification (Current) No older than 90 days (paystubs)
  • Verification of stated assets/liquidity no older than 90 days (statements for anything you listed under assets on the app)
  • employer
  • work address
  • occupation
  • place of birth
  • ID photo (I supplied a photo of my passport)
Authorized users:
  • A copy of primary id (drivers license or passport)
  • Employer
  • Occupation
  • Work address
  • Mothers maiden name
  • Place of birth
  • Home address
  • Contact phone
  • SSN

Keep or Cancel?

Keep this card as long as you're able to collect on $1,000 in airline fee reimbursements each year.

Related Cards (CNB Rewards)

Last updated on September 19th, 2019

Regarding comments: Comments posted at the bottom of Frequent Miler pages and posts are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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Greg, Is there ever a reason to actually use this card, other than using your airline credit?

Greg The Frequent Miler

I don’t use it otherwise, but for those who have nearly unlimited grocery spend it can be worthwhile.


Bonus down to 30k points after 3k spend