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[정보] 크리스탈 비자 인피닛

레딧처닝, 2018-08-04 13:10:41

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안녕하세요

 

뉴욕엔 아침부터 장대비가 내리다가 지금은 겨우 개엿네요 ㅋㅋ

 

@밀리어네어 님께서 몇일전에 케피탈 1 스파크 천불 코드를 나눔해주셧는데 아쉽게도 인리를 먹엇습니다 ㅠㅠ 하드풀 3개도 날렷네요

 

그래서 빡쳐서 아는 CNB 뱅커한테 전화해서 바로 크리스탈 비자 인피닛을 신청햇습니다 ㅋㅋ

 

 

 

일단은 카드의 단점 부터 말씀드리고 시작할께요 ㅋㅋ

 

1) US Permanent Resident 랑 US citizen이신분만 신청 가능하십니다 ㅠ

 

2) 카드 reward point 가치가 그리 높지가 않습니다. ( 기카 = 0.8 cpp정도 , 항공권/호텔 1.25 cpp 정도 )

 

3) 온라인으로 신청 불가능입니다. 브렌치에서 신청하시던지 아니면 뱅커한테 이맬로 신청 하셔야됩니다

 

4) 연회비가 400불 입니다

 

5) W2 / paystub / bank statement를 요구합니다 ;;;

 

6) 보너스가 5만 포인트 밖에 안되요 ㅠ

 

 

 

자아 여기까지가 이 카드의 단점이엇습니다

 

이젠 장점을 알려드리겟습니다

 

 

1) AU 카드는 공짜 입니다.

 

2) 첫 AU 카드도 PP를 공짜로 줍니다.

 

3) PP 카드에 게스트 제한이 없습니다 ( 대신 라운지 정책을 먼저 따라야합니다 )

 

4) AU 카드 3개까지 250불 incidental travel credit 을 받습니다 . 그것도 calendar year로요!!! ( AU 3개 추가하시면 일년에 1천불이에요 ㅎㄷㄷ  카드 홀더 250 + AU 750)

 

5) price protection이 됩니다. 그것도 한 아이템당 1000불까지요 !

 

6) @티메 님께서 소개 해주신 비자 인피닛 domestic airline 100불 디스카운트 베네핏도 됩니다 !!

 

7) 카드가 메탈입니다 ㅎㅎ

 

8) 일년에 5만불 이상 쓰면 lounge membership 550불까지 reimburse해준다고 합니다

 

9) broadway 뮤지컬 베네핏이 잇습니다. concierge 에 전화하셔서 티켓팅을 하시면 VIP 로 벡스테이지 투어까지 가능하다고 합니다 

 

비록 포인트 가치로만 보면 구린 카드이지만 베네핏이 꽤 좋아서 하나쯤은 킵하셔도 좋은 카드인거 같아요

 

이상 여기까지 엿습니다 !

좋은 주말들 보내세요!!

 

 

카드 링크 : https://www.cnb.com/lending/cards/individual/crystal-credit-card.asp

 

@24시간 님 정말 감사합니다 ㅋㅋㅋ

109 댓글

Comment Page Navigation

Onemore

2019-05-18 00:17:28

혹시나 해서 찾아봤는데 델라웨어에 브랜치가 하나 있네요. 저는 PA 사니까 그렇게 멀지는 않은데.

여기에 먼저 어카운트 하나 열어놓고 어플라이 해야 할까요? 문턱이 까다롭다고 하셔서 ...

wunderbar

2019-05-18 08:30:03

.

까만둥이

2019-05-18 00:48:34

Location으로 확인해봤는데 Oregon은 없네요. 캘리 방문할 계획이 있어야만 신청할 수 있을듯 싶네요. 

Nanabelle

2019-05-18 12:16:51

저도 확인해봤는데 오리건은 없더군요 ㅜㅜ

오대리햇반

2019-05-18 13:08:35

저 포함 다른 마적단분들을 위해서 여러모로 알아봐 주심 너무 감사드립니다. 신청 난이도가 좀 있는 것 같아 브랜치에 직접 가서 신청해야 겠습니다. 

보스턴처너

2019-05-18 13:27:48

펑했습니다 죄송합니다.

사벌찬

2019-05-30 04:34:42

올해는 무리고 내년에나 도전해봐야겠네요 ㄷㄷ 요즘 열 카드 정말 없네요 5/24 걸린 사람은....

wunderbar

2019-06-01 10:10:52

크리스탈은 5/24 카운드 안한다고 했어요....CNB 뱅커가요...

 

 

wunderbar

2019-06-01 10:11:35

 

The amazing CNB Crystal Visa Infinite Card. A deep dive.

CNB Crystal Visa Infinite Card

Would you pay $400 per year for $1,000 in airline gift cards, 48 Gogo wifi passes, 2 Priority Pass Select memberships that offer unlimited guests, and more?  Of course you would.  If you can get your hands on a CNB card, you can get all of that, but it is a big “if”.  More below.

CNB Crystal Visa Infinite: How to Get the Card

City National Bank charges $400 per year for the Crystal card, and that includes up to 3 authorized users.  In exchange for that fee, the CNB Crystal Visa Infinite card offers a pretty spectacular mix of high end benefits including up to $1,000 per year in airline fee reimbursements (see the “Perks” section for more).

Further, CNB often offers a pretty attractive signup bonus for the card.  Here’s the latest offer:

In my opinion, pretty much anyone who can get the card should get the card.  The problem is that getting the card isn’t easy.

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 (locations.cnb.com)

CNB locations. CNB Crystal Visa Infinite Card

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

CNB Crystal Visa Infinite Perks:

Why go to all that work to get one of these cards?  The reason is simply that the card’s perks far outweigh its $400 annual fee.  Take a look at these highlights:

  • $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.
  • 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.
  • 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

CNB Crystal Visa Infinite 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).

CNB Crystal Visa Infinite 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.

Wrap Up

The CNB Crystal Visa Infinite card offers benefits that make the card worth far more than its $400 annual fee.  The airline fee rebate alone (worth up to $1,000 per year) makes the card a keeper even if you never use the card for spend.  And, if you do use the card for spend, you can do really well with its broad range of 3X categories: gas, grocery, travel, and dining.  And, if you use the card for lots of spend ($50K+ per calendar year), you can get reimbursed for airline club membership up to $550.  This can be a terrific perk for those who frequent airports not supported by Priority Pass.

 

https://frequentmiler.boardingarea.com/bet-you-didnt-know-companion-airfare-discount-cnb-crystal-visa-infinite/

https://www.visadiscountair.com/CNB/

 

제가 일단 저를 위해서 찾아 봤구요... 다른 카드와 헷갈리는 부분이 있거나 크리스탈 인피니티에 관한 설명이 애매한게 있어서 

찾아보고 긁어왔습니다. 

고고 와이파이 패쓰도 저는 메인 카드 멤버만 가능한 줄 알았는데 모든 au 카드가 베네핏을 다 받을수 있다고도 나오네요...

(다시 볼 일 보러 나갑니다.)

 

https://myvisainfinite.com/cnb/en_us/home.html

109 댓글

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