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CNB Crystal Visa Infinite devaluated

1/24/2020

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Major changes on City National Bank (CNB) Crystal Visa Infinite kicked in on January 1, 2020:
  • Annual fee of each authorized user is increased from zero to $95;
  • Gas & groceries are no longer a 3x rewards categories;
  • Each cardmember is still allowed to have $250 airline incidental credits per year, but the total credits per each Crystal account is now capped at $350.  That means if you have used $250 as the primary cardholder, your authorized user can only receive $100 credits;
  • Priority Pass Select membership provided by the card will no longer cover guests for free.  Each guest will be charged $32;
  • Visa Infinite $100 airline discount is discontinued.
​
The devaluation is mostly towards previously lucrative perks for free authorized users.  Now for $95 a year, your authorized user will receive up to $250 airline credits (the total credits are limited to $350 per Crystal account, which means if you already use $250 credits as the primary cardholder, the incremental credits are only $100; of course spreading $350 out between two cards adds a little bit of flexibility), Priority Pass Select, 12 GoGo passes, Global Entry reimbursement, and Visa Infinite benefits.  It is up to you to decide whether it is worthwhile to add an authorized user.

As for the primary cardholder, it might still be a good card to have, but there are a few arguably better alternatives such Chase Sapphire Reserve, Citi Prestige, and US Bank Altitude Reserve.

Due to the devaluation, Crystal Visa is no longer one of the Best Credit Cards for Perks; it is still #4 Best Credit Card for Protection.
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August 6, 2017 Update - Citi Executive AA 75K, Synchrony Cathay Pacific 50K, CNB Crystal 50K, etc.

8/6/2017

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We have been making updates throughout the site in the past couple of weeks.  Here are some highlights:
  • Citi AAdvantage Executive WEMC has been offering a signup bonus of 75,000 miles.  The card carries a $450 annual fee but provides full American Airlines Admirals Club membership for the primary cardholder and the complimentary access to the Admirals Club for each authorized user who can be added without a fee.
  • Synchrony Bank has increased signup bonus of Cathay Pacific Visa from 25,000 miles to 50,000 miles.  The $95 annual fee is not waived.
  • CNB Crystal Visa Infinite has a in-branch only signup bonus of 50,000 points.
  • BofA Virgin Atlantic WEMC has an increased signup bonus of 75,000 miles (advertised as 90K as usual).
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February 8, 2017 Update - Chase United MP Explorer 55,000 miles, Ritz-Carlton Visa three free nights ending soon, and details of Visa Infinite Hotels

2/8/2017

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There have been quite some updates throughout the site and these are the highlights for the past week.
  • Chase United MP Explorer is offering a public 55K miles bonus, without an annual fee waiver.  For quite some time, the same offer is targeted to many United MP members, and of course the public offer is always better.  Note that the business version still offers a 50K mile bonus with the first year annual fee waiver.
  • We noticed the landing page for JPM Ritz-Carlton Visa's three Tier 1-4 free night offer was dead and re-directed to the new (and reduced) offer of two free nights.  The old application link was kept alive for a few days before pulled.  However, there is a landing page for three free nights that indicates an expiration date of November 30, 2016.  You may try it at your discretion, with the worst scenario being you just receive two free nights instead of three.  Note that Ritz-Carlton Visa is currently exempt from the infamous Chase 5/24 rule which disqualifies you from getting a new Chase card if you have opened five or more credit card accounts in the previous 24 months.  As long as you did not receive a signup bonus on the Ritz-Carlton Card within 24 months, you are eligible for the new signup bonus.  Keep in mind that you can't redeem the free Tier 1-4 certificates at 13 top-tier (Tier 5) properties including The Ritz-Carlton in New York Central Park, Bachelor Gulch, Naples, Miami South Beach, Miami Bal Harbour, Miami Key Biscayne, Grand Cayman, St. Thomas, Tokyo, Kyoto, Hong Kong, Shanghai Pudong, and Dubai.  However, there are still some amazing properties that are Tier 1-4, such as the ones in Half Moon Bay (rates from $599 per night), San Fransisco (from $399), Laguna Niguel (from $479), Los Angeles (from $409), Washington DC (from $329), Georgetown Washington DC (from $409), Boston (from $345), Dallas (from $399), Charlotte (from $399), Reynolds Lake Oconee (from $309), Maui Kapalua (from $399), Cancun (from $299), Aruba (from $299), Hotel de la Paix in Geneva (from $475), Vienna (from $360), Herzliya (from $395), and Macau (from $460)
  • We discovered the website for Visa Infinite Hotels that is available to any U.S. issued Visa Infinite card.  Visit VisaInfiniteHotels.com to book a hotel - you have to type in your Visa Infinite card number before start searching for hotels.  Visa Infinite Hotel Collection covers a subset (~200) of Visa Signature hotels (900+ luxury hotels and resorts worldwide) but offers an extra perk such as a $75 dining credit or $100 spa/hotel/rate credit per stay, in addition to Visa Signature Hotel Collection's 7 perks (guaranteed lowest rates, daily complimentary breakfasts for two, room upgrades upon availability, late checkout upon availability, $25 food and beverage credit per stay, free room wi-fi, and VIP amenities).  Currently, the only three U.S. issued Visa Infinite cards - CNB Crystal, Chase Sapphire Reserve / JPM Reserve, and JPM Ritz-Carlton Card - participate in both programs.
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The First U.S. Visa Infinite - City National Bank Crystal & Updated High-End Credit Card Review

8/1/2015

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We have been waiting for this day for a long time here in the U.S.  Visa Infinite, the top-tier Visa card, which has been available in many other countries, was missing from the U.S. market.  Finally this May, City National Bank (CNB) became the first U.S. issuer to roll out Visa Infinite.  Its Crystal Visa Infinite, with a $400 annual fee (waived for the first year), offers $250 annual airline credit, Priority Pass Select memberships, CLEAR membership, luxury hotel privileges, $100 companion discount, and other perks.

We also updated our featured review Comparing High-end Credit Cards to welcome the competition CNB Crystal brings against some of our favorite premium cards.
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