CNB Crystal Visa Infinite Credit Card

Card Details and Application Link
CNB Crystal Visa Infinite Credit Card

FM Mini Review: This card's value is hobbled by an inferior Priority Pass membership (as of 1/1/20).

Card Type: Visa Infinite


Earning rate: ⚬ 3X 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 $350 a year in statement credits for airline incidental fees (as of 1/1/20) ⚬ 12 Gogo In-Flight Wifi passes per card ⚬ $100 Global Entry fee reimbursement ⚬ Priority Pass lounge membership for 2 cardholders (guests are not free as of 1/1/20)

See also: CNB Crystal Visa Infinite loses valuable perks as of Jan 1 2020

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?

Cancel. There are better Ultra-Premium cards on the market.

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Hi Greg, I recently spent over $50k on this card. Can I purchase two PP (Standard Plus — $249 per year and 10 free visits) for my daughters to take advantage of Airline Lounge Membership Fee Statement Credit up to $550? Thanks

Greg The Frequent Miler

PP = Priority Pass? I don’t know if that would automatically credit as a lounge membership. I’d recommend calling CNB to ask




Bonus down to 30k points after 3k spend


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.