City National Crystal Visa Infinite Card Review [2022]: Luxury Perks for the Frequent Traveler

The CNB Crystal Visa Infinite Credit Card offers premium card benefits at a lower annual fee compared to competitors.
Last updated Aug. 6, 2022 | By Jennifer Calonia

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City National Bank (CNB) earned the moniker, “Bank to the Stars,” for its reputation as the entertainment industry’s go-to financial institution, but you don’t have to be a celebrity to carry the City National Crystal Visa Infinite Card.

Learn whether this credit card is a good fit for your purchasing needs in this City National Bank Crystal Visa Infinite review.

Big Credits for Big Spenders

City National Crystal Visa Infinite Card

City National Crystal Visa Infinite Card

City National Crystal Visa Infinite Card

Intro Offer

Earn up to a $550 statement credit per year for airline lounge membership after $50,000 in annual spending

Annual Fee

$400

Rewards Rate

3X points on airline, hotel, taxi, rideshare, limousine, rental car, train, bus, restaurant, fast food, and takeout dining purchases; and 1X points on all other purchases

Benefits and Drawbacks

Benefits

  • Up to $350 credit per year on airline incidental fees
  • Up to 3 points per dollar spent on select spending categories
  • Up to $550 credit per year for airline lounge access
  • No foreign transaction fee

Drawbacks

  • Has annual fee
Card Details
  • Earn up to a $550 statement credit per year for airline lounge membership after $50,000 in annual spending
  • 3X points on airline, hotel, taxi, rideshare, limousine, rental car, train, bus, restaurant, fast food, and takeout dining purchases; and 1X points on all other purchases


Who should get this card?

This card is an option for those who don’t mind paying a $400 annual fee, in exchange for some convenient travel benefits. Spendy cardholders will get the most value out of the CNB Crystal Visa Infinite Card. You’ll need to meet spending minimums in order to be eligible for certain benefits, like the airport lounge membership fee statement credit, for example. If you anticipate your annual purchases will hit a minimum of $50,000, and you travel frequently, City National Bank’s Crystal Visa Infinite Card may be a handy credit card companion on trips.

Card basics

Card Type Travel
Annual fee $400
Intro bonus Earn up to a $550 statement credit per year for airline lounge membership after $50,000 in annual spending
Recommended credit score Excellent, Good
Foreign transaction fee None

Top card benefits

  • Up to $550 airline lounge membership credit: You can earn up to a $550 statement credit per year for airline lounge membership after $50,000 in annual spending.
  • Up to $350 airline incidentals credit: When you use your City National Bank Crystal Visa Infinite Card with U.S. domestic airline carriers, you can receive up to $350 in statement credit each calendar year. Qualifying charges may include purchases like ticket and baggage fees, in-flight entertainment, in-flight food and beverages, and lounge day passes.
  • $100 Global Entry credit: You’ll receive a $100 statement credit when you apply for Global Entry and use your CNB Crystal Visa Infinite card to pay for the $100 application fee. This benefit is available every four years.
  • Priority Pass Select: Like many other premium rewards cards, Crystal Visa Infinite card owners receive complimentary Priority Pass Select lounge access, and can select up to two cardholders on the account for this benefit. However, as of December 1, 2020, each guest of Priority Pass Select members must pay $32 per visit.

Earning & redeeming

Best ways to earn

To earn points through City National Bank’s rewards program, use your Crystal Visa Infinite Card while traveling and for your regular purchases. This card offers a decent rewards rate on many different spending categories. You’ll earn 3X points on airline, hotel, taxi, rideshare, limousine, rental car, train, bus, restaurant, fast food, and takeout dining purchases; and 1X points on all other purchases.

Categories Rewards rate
Airline, hotel, taxi, rideshare, limousine, rental car, train, bus, restaurant, fast food, and takeout dining purchases 3X
All other purchases 1X

Maximizing your redemptions

If you have other active City National Bank rewards cards under the same CNB member I.D., the rewards program automatically combines your earned points across City National Bank rewards credit cards. This feature allows you to gather your collective earned points, despite earning them on different card products, so you can redeem your points faster.

Common questions

What’s the difference between Visa Signature and Visa Infinite?

The City National Bank Visa Signature earns you 3 points for gas, 2 points for groceries and restaurants, and one point on all other purchases.

The Visa Signature also doesn’t charge an annual fee and has no additional fee for extra cardholders on the account, while the Crystal Visa Infinite Card has a $400 annual fee and an annual $95 fee for each additional card user.

What is the CNB Crystal Visa Infinite’s annual fee?

The City National Bank Crystal Visa Infinite charges cardholders a $400 annual fee.

Does the CNB Crystal Visa Infinite have travel insurance?

Travelers who use their CNB Crystal Visa Infinite Card have travel protections, like trip cancellation or interruption protection, travel accident insurance, hotel theft protection, and more.

Is the CNB Crystal Visa Infinite worth it?

If your annual spend goes into the tens of thousands, and you’re an avid traveler, the City National Bank Crystal Visa Infinite may be worth the annual fee. This depends on your travel habits and whether you choose to maximize the card’s benefits.


Other cards to consider

Although the City National Bank Crystal Visa Infinite card is an option, if you’re in the market for the best travel credit card, there are many other contenders to consider.

The Citi Premier® Card card, for example, offers a similar reward tier structure. You’ll earn 3X points at restaurants, supermarkets, and gas stations, and on air travel and hotels; and 1X points on all other purchases. There’s a lower annual fee of $95 and new cardholders can earn 80,000 bonus points after spending $4,000 in the first 3 months.

If you’re looking for a simpler rewards program, the Capital One Venture Rewards Credit Card card lets you earn 5X miles on hotels and rental cars booked through Capital One Travel and car shares booked through Turo; and 2X miles on all other purchases. The annual fee is comparable to the Citi Premier, at $95. Currently, you can earn 75,000 bonus miles after spending $4,000 in the first 3 months.

Big Credits for Big Spenders

City National Crystal Visa Infinite Card

City National Crystal Visa Infinite Card

City National Crystal Visa Infinite Card

Special Offer

Earn up to a $550 statement credit per year for airline lounge membership after $50,000 in annual spending

See how these cards compare:

Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
  • 75,000 bonus mile welcome offer
  • 2X miles on every purchase, every day
  • Up to $100 Global Entry or TSA PreCheck credit
  • No foreign transaction fees
Citi Premier® Card
Citi Premier® Card
  • 80,000 bonus point sign-up offer
  • 3X points in several popular categories
  • No foreign transaction fee

Author Details

Jennifer Calonia Jennifer Calonia is a native Los Angeles-based writer and editor with eight years of experience in personal finance. She's passionate about helping others pay off debt, navigate family finance, and use rewards credit cards, responsibly. She's been featured on Forbes, The Huffington Post, Business Insider, Credit Karma, Nerdwallet, and more. To find more information about her work, visit JenniferCalonia.com.