City National Bank Crystal Visa Infinite Card: A Comprehensive Overview

The City National Bank Crystal Visa Infinite card is a premium credit card issued by City National Bank, designed for individuals who seek luxury and perks, whether for travel or everyday expenses. This card stands out for its rewards structure, travel benefits, and elite status, making it a compelling choice for credit card enthusiasts. In this comprehensive guide, we’ll delve into the various features that make the Crystal Visa Infinite an attractive option for potential cardholders.

Card Type

The City National Bank Crystal Visa Infinite is a travel rewards credit card that offers extensive benefits for frequent travelers. This card not only serves as a tool for everyday spending but also amplifies the travel experience with its diverse rewards program and exclusive perks.

Annual Fee

Unlike some premium cards, the Crystal Visa Infinite card comes with a reasonable annual fee of $400. While this may seem steep, the plethora of benefits offered can justify the cost for those who frequently travel, dine out, or enjoy premium services.

Rewards Program

This card features a comprehensive rewards program that maximizes benefits across various spending categories. Cardholders earn:

• 3 points for every dollar spent on travel and dining
• 1 point for every dollar spent on all other purchases

Points earned can be redeemed for cashback, travel bookings, gift cards, or merchandise, providing flexibility and value in rewards accumulation.

Sign-Up Bonus

New cardholders can take advantage of a generous sign-up bonus. By spending $5,000 in the first three months, cardholders can earn up to 50,000 bonus points, which can significantly enhance their travel or rewards redemption experience.

APR (Annual Percentage Rate)

The Crystal Visa Infinite card carries a regular APR of 18.24% to 25.24%, depending on creditworthiness. Additionally, new cardholders benefit from a 0% introductory APR on purchases for the first 12 months, offering an excellent opportunity to finance larger expenses without incurring interest.

Foreign Transaction Fees

For avid travelers, understanding foreign transaction fees is critical. Thankfully, the City National Bank Crystal Visa Infinite card charges no foreign transaction fees, making international spending seamless and cost-effective.

Balance Transfer Options

This card offers balance transfer options with an introductory 0% APR for the first 12 months on balances transferred within the first 90 days, subject to a transaction fee of 3% of each transfer. This can be a great way to manage existing debt more efficiently.

Additional Fees

Beyond annual fees, it’s essential to understand other potential costs. The Crystal Visa Infinite card has:

• Late fee: Up to $39
• Cash advance fee: 5% of the cash advance amount or a minimum of $10

Card Benefits and Perks

Cardholders enjoy a wide array of benefits and perks, including:

• Concierge services for travel planning and reservations
• Priority pass access to over 1,300 airport lounges globally
• Travel insurance covering trip cancellations and delays
• Extended warranty protection on eligible purchases

Customer Protections and Insurance

Customer safety is paramount with this card, featuring strong protections and insurance options such as:

• Fraud liability protection, ensuring users are not liable for unauthorized purchases
• Purchase protection against theft or damage
• Rental car insurance for added peace of mind when traveling

Eligibility and Credit Score Requirements

Potential applicants should note the recommended credit score range for approval is between 700 and 760. This means that individuals with good to excellent credit are more likely to be approved for the card.

Introductory Offers

As mentioned, the card extends an attractive introductory offer of 0% APR for the first 12 months on purchases, making it easier for new cardholders to manage costs on significant purchases.

Special Features or Unique Selling Points

The City National Bank Crystal Visa Infinite card boasts unique features that differentiate it from others, such as exclusive access to events, complimentary hotel nights in premium locations, and highly personalized customer service.

How to Apply

Interested candidates can apply for the City National Bank Crystal Visa Infinite card conveniently online. To get started, visit the UpCube.net.