Guide to the Crystal Visa Infinite Credit Card [Review]

Designed for frequent travelers, this card rewards you for traveling in style and using its many built-in perks.

City National Bank’s Crystal Visa Infinite Credit Card is a credit card designed for frequent travelers who like to travel in style and expect to be rewarded. It is a candidate for inclusion on our list of the best travel rewards credit cards.

Card Benefits

Its rewards program boasts accelerated earnings–unlimited 3 points per $1 spent–in various categories, including gas, groceries, travel, and dining out. You can redeem points for almost anything, although airfare is usually the best (and comes with a convenient discount when shopping for multiple passengers).

However, that’s just the beginning. The City National Bank Crystal Visa Infinite card has an outstanding number value-added benefits, including:

  • Complimentary airport lounge membership offering access to over 1,000 lounges worldwide,
  • A generous airfare credit, and
  • Lots of discounts and special benefits in luxury hotels, rental companies and other travel sellers.

If you’re diligent in taking advantage of all these benefits, their combined value will more than make up for the $400 annual fee.

Another great advantage to being a cardholder of the Crystal Visa Infinite is that you can take advantage of a concierge service 24 hours a day, 7 days a week. The concierge service boasts a professional who helps guests to perform the diverse tasks ranging from making restaurant reservations and confirming appointments at a spa, to recommending clubs and bars.

Cardholders also receive a statement credit of up to $550 per account per calendar year (with at least $50,000 in yearly spend) for any airline lounge club worldwide.

For theatergoers out there, the Crystal Visa Infinite Card delivers ongoing opportunities to purchase premium seating for Broadway shows. Cardholders can additionally access backstage tours and “meet and greets” with performers.

Thanks to the Gogo Free WiFi reward, this card entitles cardholders to free WiFi on thousands of domestic flights, up to 12 times per year.

When you spend at least $5,000 in the first 3 months, you earn 50,000 City National Rewards bonus points worth up to $500.

One drawback of this card is that cash back is not available, but you can redeem points for things like travel, gift cards and merchandise (point values may vary and are subject to change). You can book travel on most airlines with no blackout dates.

  • 3 Points per $1 spent on airlines
  • 1 Point per $1 spent on other purchases
  • Earn up to $550 in statement credit on airline lounge club membership fees
  • No foreign transaction fees
  • Lost luggage insurance
  • Trip cancellation coverage
  • $400 annual fee
  • Points cannot be exchanged for cashback
  • Not a clear application process
  • Limited branch options across the country


The City National Bank Crystal Visa Infinite Credit Card is not for everyone. It is designed for a select group of discerning travelers who have the means and opportunity to take advantage of the most generous benefits. The high annual fee can drive some people away who want to take advantage of points without having to spend a lot of money for a rewards card. However, this card comes with valuable offerings and travel perks that can easily outweigh the annual fee cost.

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