City National Crystal® Visa Infinite®
City National Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of City National Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The City National Crystal® Visa Infinite® from City National Bank earns up to 3% effective value on dining in Madeen's catalog snapshot. Its annual fee is $400.
- Top category
- Dining
- Effective value
- 3%
- Annual fee
- $400
Best for dining-heavy spend when the $400 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 3% back. Travel perks may add value beyond the earn rate.
What does the City National Crystal Visa Infinite earn in each category?
Dining is the strongest category at 3% effective value (3% back). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how City National Crystal Visa Infinite compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight coffee at 3x among the.
Dining is the strongest category at 3% effective value (3% back). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how City National Crystal Visa Infinite compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3% back | 3% Top category |
| Grocery Supermarkets and grocery stores | 1% back | 1% |
| Gas Gas stations and fuel | 1% back | 1% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the City National Crystal Visa Infinite?
The City National Crystal Visa Infinite fits spenders who put meaningful volume in dining and can earn 3% back. Best for spenders who put meaningful volume in dining and can earn 3% back. Travel perks may add value beyond the earn rate.
City National Crystal Visa Infinite fits spenders who put meaningful volume in dining and can earn 3% back. Madeen ranks its dining effective rate higher than about 81% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 3% back. Travel perks may add value beyond the earn rate.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when the $400 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 3% effective (3% back).
- That dining rate ranks higher than about 81% of cards we track in the category.
- No foreign transaction fee listed.
- Includes travel or statement credits in our benefits snapshot.
Cons
- $400 annual fee requires enough spend in bonus categories to offset.
Does the City National Crystal Visa Infinite have an annual fee?
The City National Crystal Visa Infinite has an annual fee of $400 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $400
- Foreign transaction fee
- None
What travel perks does the City National Crystal Visa Infinite include?
The City National Crystal Visa Infinite includes Trusted traveler credit, Lounge access, $100 Global Entry Application Fee Statement Credit, $350 Airline Incidental Fees Statement Credit and more in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Trusted traveler credit
$120 Global Entry Application Fee Statement Credit - Pay the Global Entry application fee with your Crystal Visa Innite Card to receive a $120 statement credit. If approved, use your membership to participate in the U.S. Transportation and Security Administration’s TSA Pre® program at no additional charge.
Lounge access
Priority Pass™ Select Airport Lounge Access - Crystal Visa In?nite Cardholders Priority Pass Select program members and their accompanying guests can experience a more relaxing way to travel, with access to a global network of more than 1,300 airport lounges worldwide.
What benefits come with the City National Crystal Visa Infinite?
Extended Warranty Protection
$10,000/yrWhen you use your covered Visa card for your eligible purchases Extended Warranty Protection will extend the term of your eligible manufacturer’s U.S. warranty by 1 additional year on eligible warranties of 3 years or less; for a manufacturer’s warranty of 3 months, the term is extended an additional 12 months for a combined total of 15 months of coverage; for warranties of one year or more an additional year of coverage is provided.
Lost Luggage Reimbursement
$3,000/yrWhen you use your covered card to purchase an airline or common carrier ticket, you can be eligible to receive reimbursement for your checked luggage or carry-on baggage and their contents in the event of theft or misdirection by the airline or common carrier.
Travel Accident Insurance
$3,000/yrAdd peace of mind to your itinerary. Purchase your airline ticket with your covered Visa card and you can enjoy Travel Accident Insurance.
Return Protection
$1,000/yrWhen you use your covered Visa card to make an eligible purchase, you can get return protection if you are dissatisfied with your item within 90 days of purchase and the merchant will not accept the return.
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program; available 24x7; Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Trip Delay Reimbursement
$500/yrAnticipate delays when you purchase air travel with your covered Visa card. With Trip Delay coverage, you can receive up to $500.00 when you’re stuck for more than 6 hours due to a covered hazard such as equipment failure, inclement weather, strike and hijacking/skyjacking.
$350 Airline Incidental Fees Statement Credit
$350/yrReceive a statement credit of up to $350 per account, per calendar year for Qualifying Airline Purchases.
Visa Infinite Concierge Services
$150/yrEnjoy 24/7 personalized assistance for travel planning, dinner reservations, sports, entertainment tickets and more. Available 365 days a year from home or abroad.
$100 Global Entry Application Fee Statement Credit
$120/yrPay the Global Entry application fee with your Crystal Visa In?nite Card to receive a $120 statement credit. If approved, use your membership to participate in the U.S. Transportation and Security Administration’s TSA Pre?® program at no additional charge.
Global Entry Statement Credit
$120/yrApply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Infinite card to pay the application fee (currently $120) to receive a $120 statement credit.
$550 Airline Lounge Club Membership Fee Statement Credit
$99/yrReceive a statement credit of up to $550 per account per calendar year with $50,000 yearly spend. Applies to any airline lounge club worldwide.
Priority Pass™ Select Airport Lounge Access
$99/yrCrystal Visa In?nite Cardholders Priority Pass Select program members and their accompanying guests can experience a more relaxing way to travel, with access to a global network of more than 1,300 airport lounges worldwide.
Related encyclopedia topics
What annual spend bonuses does the City National Crystal Visa Infinite offer?
- Receive a statement credit of up to $550 per account per calendar year with $50,000 yearly spend. Applies to any airline lounge club worldwide.
Common questions about the City National Crystal Visa Infinite
Where do cardholders spend most with the City National Crystal Visa Infinite?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on coffee (3x), fast food (3x), other food and drink (3x) for the City National Crystal Visa Infinite. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the City National Crystal Visa Infinite have an annual fee?
The City National Crystal Visa Infinite carries an annual fee of $400 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the City National Crystal Visa Infinite?
Dining is the strongest Madeen category for the City National Crystal Visa Infinite at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the City National Crystal Visa Infinite charge foreign transaction fees?
The City National Crystal Visa Infinite does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
Is the City National Crystal Visa Infinite annual fee worth it?
Whether the $400 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
What credit score do you need for the City National Crystal Visa Infinite?
Madeen's catalog lists a typical credit range of Good to Excellent for the City National Crystal Visa Infinite. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the City National Crystal Visa Infinite compare to similar cards?
Compare the City National Crystal Visa Infinite against City National Bank Visa Everyday Rewards+ (4% on Dining, $0 fee); City National Bank Visa Business Cash Preferred (3% on Dining, $0 fee); City National Bank Visa Reserve Rewards+ Card (2% on Dining, $390 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
City National Crystal Visa Infinite This card | Dining | 3% | $400 |
City National Bank | Dining | 4% | $0 |
City National Bank | Dining | 3% | $0 |
City National Bank | Dining | 2% | $390 |
City National Bank | Dining | 1.5% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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City National Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of City National Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure