Crystal Visa Infinite: The best card you can’t get

I signed up for the Crystal Visa Infinite card late last year because of its 100,000 point signup bonus and waived first year fee (no longer available).  The signup process turned out to be a bit of an ordeal, but I did eventually get the card and I did earn the 100K bonus.

A few weeks ago, I dove into CNB’s rewards program to try to figure out what those points are worth.  The answer: points are worth about 1.15 cents each when used towards airfare.  That’s better than most bank point programs (which typically peg point values at 1 cent each), but not as good as US Bank FlexPerks, Citi ThankYou Rewards (when used with the Premier or Prestige card), or Chase Ultimate Rewards (when used with the Sapphire Preferred or Ink Plus card).  Still, I was more than happy to clear over $1,150 worth of airfare with this deal!

The surprising thing about this card is not that it had a great signup offer.  The surprising thing is that I intend to keep this $400/year card.  At least, I think that the annual fee is $400.  This page suggests that the card is free, but I’m pretty sure it’s wrong.  The card is worth more than $400 a year.  Much more.

Crystal Visa Infinite Fees

3X travel, gas, groceries, and dining

The Crystal card offers 3 points per dollar for certain types of purchases.  Initially, I thought 3X was limited to travel and dining.  That’s what I read here: www.cnb.com/rewards/:

Crystal Visa Infinite Earning Rewards Wrong Info

However, this page says that the card earns 3X at gas stations and grocery stores too:

  • For Crystal Visa Infinite Card accounts: 3 Points on net purchases made at merchants that classify their merchant location for Visa in any of the following categories: airlines, hotels, taxis, limousines, rental cars, trains, buses, gasoline stations, groceries, restaurants, and fast food and takeout food dining establishments.

In my experience, the broader list of 3X categories is correct.  Even a purchase at Walmart earned 3X points because it was coded as a grocery store.

This is impressive!  I can’t think of any other card with such a broad range of commonly used bonus categories.  The Citi Premier card comes closest with 3X travel and gas, and 2X dining and entertainment.  But Citi doesn’t bonus grocery store spend.  Then there’s the Amex EveryDay Preferred card that offers great grocery and gas bonuses, but no travel or dining bonus.

I plugged the Crystal Visa Infinite card into my Credit Card Analysis Spreadsheet.  Given the assumptions in that spreadsheet, the card averages a whopping 2.5 points per dollar!  At 1.15 cents per point towards airfare, that’s like a 2.875% rebate on average spend.  While its possible to do better in the short term with the Discover It Miles card, or in the long term by holding multiple cards (see: Best credit card combos: Mixed rewards), the Crystal card is among the best if you’re looking for a single card to meet your needs.

Crystal Visa Infinite Benefits

In addition to having great category bonuses, the Crystal Visa Infinite card has a few spectacular benefits and a number of really nice ones.  You can find the full benefit guide here, or take a look at these examples:

Airline Fee Rebate: up to $1000

Crystal Visa Infinite lifestyle benefits

The Crystal card offers $250 in airline fee reimbursements, per calendar year.  Just like the Amex Platinum card’s airline fee rebate, the terms state that gift card purchases don’t count, but in practice people have found that small denomination gift cards purchased from an airline are reimbursed.  Even better, unlike the Amex Platinum card, authorized user cards each qualify for their own airline fee rebates.  You are allowed up to 3 free authorized user cards per account, so it’s possible to have four cards for the same $400 annual fee.  Since each card can earn up to $250 per calendar year in airline fee reimbursements, it’s possible to get reimbursed up to $1,000 per year.

I was previously under the impression that CNB only allowed one authorized user card until I received an email from a reader named Nima.  He reported that he had received 3 authorized user cards and had earned a total of $1000 in fee rebates in 2015 by buying a American Airlines gift cards ranging in value from $50 to $250!  So, I jumped on the phone and ordered two more authorized user cards (which I’m still waiting for at the time of this writing).

Global Entry and CLEAR Membership

Crystal Visa Infinite lifestyle benefits

Crystal Visa Infinite lifestyle benefits

The Crystal Visa Infinite card can help you speed through airport security.  Sign up for Global Entry and use the Crystal Visa Infinite card to pay the $100 application fee and it will be automatically reimbursed (once every 4 years, per card).  And, sign up for CLEAR for free through this link.

UPDATE: The CLEAR benefit is going away effective February 15, 2016.  To get one year of CLEAR for free, sign up no later than February 14th 2016.

Free In-Flight Gogo Wifi

Crystal Visa Infinite lifestyle benefits

Visit visa.gogoair.com/cnb to register your Crystal Visa Infinite Card and receive 12 Gogo Inflight Wi-Fi Passes, per year, at no charge.  Each pass is good for one flight segment only.  It appears that this benefit applies to each cardholder, even authorized users.  Consider waiting until you need the passes before enrolling since the passes are valid for 1 year from the date you register.

Discount Air Benefit

Crystal Visa Infinite lifestyle benefits

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.

Priority Pass Select

Crystal Visa Infinite lifestyle benefits

Enroll up to 2 cardholders for free in the Priority Pass Select program.  This will give the members and their accompanying guests access to “over 850 participating airport VIP lounges across 120 countries and over 400 airports worldwide, regardless of the class of travel or airline.”

Automatic Protections

Like all premium credit cards, the Crystal Visa Infinite card offers many trip and purchase protections.  It’s worth noting that it offers a primary auto rental collision damage waiver.

Crystal Visa Infinite Car Rental

Crystal Visa Infinite protection benefits

Getting the Card

Even without a signup bonus, the Crystal Visa Infinite card is clearly worth getting.  But, getting the card is the hard part!  Last year, Rene’s Points had identified a way to sign up for the card over email.  I jumped on that and found that the application process was almost as tough as getting a new mortgage.

Now, CNB only accept applications in-person.  That means finding a CNB branch in Delaware, New York, Tennessee, Georgia, Nevada, or California.  You can click here for an interactive map.

It gets worse.  Here are a few reader reports:

Jetsfan said:

I tried to apply during a visit to California and was told I had to be an account holder of the bank and that do become an account holder I had to be a resident of California (which I am not). Has anyone from out of state been able to apply recently?

Heavenly Jane reported:

I just called my local branch in Atlanta, GA. The receptionist said they are only accepting applications in NY and CA. She further said a person should have an “entertainment-related” occupation.

And, Rich T replied:

I got same reply from Atlanta branch – NY and CA only, but no entertainment industry comment – that’s an unusual banking focus!

Then, Julie said:

I called the Nashville location (where I live) and was told they aren’t accepting new customers except by referral, and that they aren’t a typical branch and are here for the entertainment market. I asked for a relationship manager to call me back but they never even bothered. I called the home office and was told the only requirement was to have an account with them, but unless I can find a country music star to recommend me, it sounds like I’m out of luck!

So, worst case, you may have to live in New York or California and be in the entertainment industry to sign up, and you may even need a referral.  Or not.  Remember the reader named Nima who told me that I could get three authorized user cards?  He says that he simply walked into a branch in Palo Alto, CA and signed up with no fuss whatsoever.  Your mileage may vary.

Last updated on January 21st, 2016

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.

About Greg The Frequent Miler

Greg is the owner, founder, and primary author of the Frequent Miler. He earns millions of points and miles each year, mostly without flying, and dedicates this blog to teaching others how to do the same.

More articles by Greg The Frequent Miler »

64
Leave a Reply

avatar
38 Comment threads
26 Thread replies
2 Followers
 
Most reacted comment
Hottest comment thread
33 Comment authors
Greg The Frequent MilerHTLJakeRalph RodriguezHailey Recent comment authors

This site uses Akismet to reduce spam. Learn how your comment data is processed.

  Subscribe  
Notify of
Melony Pino
Guest

it’s interesting that you said you called to order more authorized user cards. I ordered one and the bank called me back and they want the authorized user to come in and bring all kinds of personal info.

Jana
Guest
Jana

“100,000 point signup bonus and waived first year fee (no longer available)”
Do you mean there is no sign up bonus and the fee applies, or does it mean the bonus is still available, but the fee applies?

MSPDeltaDude
Guest
MSPDeltaDude

Do they hard inq AU’s?

andy
Guest
andy

hmm… there’s a branch 4 miles from my house. Maybe I should go check it out…

John
Guest
John

Ok this card sound awesome!!
How can I get this card if I live in Texas? If I get a on plane to one of there locations will they let me open a checking account and apply for this card?

John
Guest
John

Nevermind…I just called the Beverly Hill, Ca office and they said you have to live next to a branch and have an account for 90 days before you can apply for a credit card.

Michael McKeithen
Guest
Michael McKeithen

This card seems on par with the MasterCard World Elite, certainly better than the Visa Signature, yet a bit below AmEx Platinum and doesn’t touch AmEx Centurion. As you state it’s the best card, please provide direct comparisons especially where it out shines the others.

Thanks!

Chucks
Guest
Chucks

Dude he just wrote a whole article about the Crystal Visa. It’s paying you $600 NET a year just from the airfare credits. No one else does that. And it’s got decent spending rewards and all the goodies on top.

Justin
Guest
Justin

I tried getting this card a couple months ago. I live in California and work in entertainment. My credit score is above 800. However, they wanted to see paystubs or tax returns before opening an account for me. I then tried to open a business account instead but the fees were way too high.

Ben
Guest
Ben

I went into the Manhattan branch today (and I do work in the entertainment industry) – I was told that it’d be no problem to open the credit card (no bonus but first year fee waived) but that I’d need to open a savings account with them and that the account had a minimum daily balance of $3,300. No thanks.

Yeshu
Guest
Yeshu

That’s not a bad deal. You should have taken it

Aaron
Guest
Aaron

Do you think it’s a good idea to wait until they offer a sign up bonus again not knowing if one will come around again or should I just get the card now?

Emmanuel Ruiz
Guest
Emmanuel Ruiz

Wait. Don’t waste your time on a card that offers no sign-up bonus and asks for mortgage application type documents. Ridiculous.

Chucks
Guest
Chucks

Yeah but it’s an easy $600-$1000 bonus

net netty
Guest
net netty

The best thing you can do is to keep talking about the CC and the MSing availability on it. That way the company can pay attention and shut everyone down who is buying 5k a day at grocery stores like TD Bank did. Good thinking. But dont worry another deal is just around the corner.

trackback

[…] if you’re really clever with the card, you can get even more value according to the Frequent Miler […]

Jordan
Guest
Jordan

I applied in-branch in Oakland, CA, and I could tell it wasn’t a normal bank due to the absence of bulletproof glass (a rarity in Oakland, unfortunately). The relationship manager I talked to was surprised to see someone walk in off the street, and he gave me a little speech about how the bank generally caters to high net-worth clients in the entertainment industry. He still processed my application, though – I started with a checking account and then added on the CC once the checking account went through. YMMV, but I did go in saying that I mainly wanted a checking account and didn’t even mention the card until we were well into the conversation. That may have helped, since it sounds like they were unprepared for the demand for the card and started restricting access to it pretty quickly. I had to go through the same rigamarole as others have described – tax returns, pay stubs, etc. The card also took almost a month to arrive. Someone mentioned this on the FlyerTalk thread about the card, but you have to be prepared for some headaches with them – it’s definitely a change of pace having been accustomed to Chase/Citi/Amex for so long.

Also – where did you find that thing about primary auto rental coverage? The description of benefits suggests it’s secondary. (See what I mean about headaches?)

Jason
Guest
Jason

My closest branch in Las Vegas looks like they will let me get it via phone and email. I’m not in entertainment, but they appear to be ok as long as you will show your financials.

The banker told me to hold off until February for the credit card as they should have a new offer. She didn’t have details, but said to open the checking account now, fill out the credit app and she will hold until February for when the new offer comes out. Assuming I get her permission, I’ll share contact info etc as soon as I can confirm its replicable.

Andy
Guest
Andy

Is there any update on this? I have been to a branch in Carlsbad, CA on Monday. A manager there said she knew nothing about any new offer in near future.

Jim
Guest
Jim

I guess high-end escorts in CA and NY would qualify since they’re in the “entertainment” industry and make good money?

Jordan
Guest
Jordan

I got a notice in the mail that the CLEAR membership benefit is ending. 2/15/16 is the last day to apply, and all current memberships will be discontinued when they expire (unless you pay the fee). Bummer!

John
Guest
John

How do I enroll in the Priority Pass Select program if I have the card already?

citynationalrobberbanksuck
Guest
citynationalrobberbanksuck

i apply for a card in person and was denied, my fico is over 808 and networth in the 6 figures. submitted tax returns and all req doc but got denied due to income. really, wth. stay away from city national robber bank.

Blue
Guest
Blue

May I ask what income did you use on the application?

ryan
Guest
ryan

The Priority Pass Select is actually different than what I get from Amex plat
It comes with benefits of allowing free guests:

Your membership plan includes:
Unlimited inclusive member visits.
Unlimited inclusive member and accompanying guest visits.

trackback

[…] While this perk is offered by a few premium cards (such as the Amex Business Platinum and the CNB Crystal Visa Infinite), two inexpensive cards offer the benefit too.  The $49/year FlexPerks Travel Rewards Visa offers […]

trackback

[…] year card.  I get another 12 passes (per account – including authorized user accounts) from my CNB Crystal Visa Infinite card.  And, my Amex Business Platinum card offers 10 passes per year and these work on international […]

trackback

[…] Crystal Visa Infinite: The best card you can’t get […]

trackback

[…] Until recently, the only Visa Infinite card available in the US (to my knowledge) was the CNB Crystal Visa Infinite card (which currently has a 50K signup offer).  Unfortunately, that excellent card is extremely hard to get. […]

Mark
Guest
Mark

Any recent data points on GC reimbursement?

trackback

[…] Pass lounges when she does.  And, she already has Priority Pass Select membership from our Crystal Visa Infinite account where she has a no-fee authorized user […]

trackback

[…] This card has a 70,000 point in-branch-only signup bonus.  With points worth about 1.15 cents each towards airfare, that makes the signup bonus worth around $800.  The card is available only to those who live in a select few states and is intended only for high net worth individuals.  CNB allows up to 3 free authorized user cards and each one gets its own $250 annual airline fee credit!  To conservatively model the first year value we assumed that the new cardholder would have just one authorized user.  Airline fee credits were valued at 90% of face value (e.g. 90% of $250 = $225, so with two cards = $450).  For more details about this card, please see: Crystal Visa Infinite: The best card you can’t get. […]

Fiona
Guest
Fiona

Thank you for this article. I am in NY, after knowing the recent 70k offer, I went to a branch near my office and I just received the card. Not in entertainment business. Had to provide paystub and w-2 (fine with me). AUs do not need to go into branch but CNB asked me to provide their valid government issued ID.

trackback

[…] For example: Crystal Visa Infinite: The best card you can’t get […]

02nz
Guest
02nz

I applied in February in Ontario, which appears to be one of their bigger offices (mainly for commercial banking, it looks like). The application was extensive, going into way more detail than I’m used to for a credit card application (e.g. asking not just about income but also assets). I added two AUs. I’m a government employee, and neither of the authorized users works in the entertainment industry, and the banker didn’t even say anything about that. No requirement to open a bank account with them. The approval took two weeks or so, but then the cards didn’t arrive for another month (the banker said there was an internal delay because they didn’t quite do the paperwork correctly). Bottom line: Application is kind of a pain, and the websites are very 1998 (they seem to have three or four different sites relating to the card, all requiring separate logons to be set up), but great benefits particularly the $250/year/user airline fee credit, $100 domestic airfare discount when booking two tickets, and 3x points on a lot of purchases (not just travel but also groceries and gas). It was definitely worth the effort and – given the benefits – this is one I’ll even hold onto long term.

trackback

[…] purchases for the first year of card membership, and the elusive CNB Crystal Visa Infinite card (details here).  The CNB card doesn’t really offer 3% cash back, but it does offer 3X points, and points are […]

trackback

[…] CNB Crystal Visa Infinite: Up to $250 per year per card in airline incidental fees (authorized user cards included). […]

Ralph Rodriguez
Guest
Ralph Rodriguez

Hi everyone. This is RalphRalph Rodriguez. I am a Banker at City National Bank. For clarification, the $400 annual fee is no longer waived in the first year. However, there is an on-going sign-up bonus of 50,000 points for new card holders. It is true we use full underwriting for the card (income verification, asset verification, etc.). However this allows us to extend higher credit limits than other financial institutions that rely on computer algorithms for approvals. If anyone has any questions about Crystal Visa Infinite, I would be more than happy to help. Please contact me at (212) 597-0119 or ralph.rodriguez@cnb.com. May everyone have a safe and enjoyable Memorial Day weekend!

Jake
Guest
Jake

Do they require SSNs for the AUs?

trackback

[…] Looks like this has been the case since at least 2016. I’m not sure why the 3x on grocery wasn’t listed on any of our reviews but it is now. […]

trackback

[…] Looks like this has been the case since at least 2016. I’m not sure why the 3x on grocery wasn’t listed on any of our reviews but it is now. […]