CNB Crystal Visa Infinite Application Process
The CNB Crystal Visa Infinite is probably the most valuable credit card on the market today. After procrastinating for years to apply, my wife and I finally bit the bullet just before the sign-up bonus dropped on August 1. Despite the currently lower bonus I thought it could be valuable to share my CNB Crystal Visa Infinite application experience since it is far from the typical process you find with other banks.
CNB Crystal Visa Infinite Benefits
As a reminder, the CNB Crystal Visa Infinite is a premium credit card. Here are some of the card’s benefits:
- $250 Airline Incidental Fees Statement Credit per Calendar Year per Card (Primary and up to 3 authorized users)
- Priority Pass Select – You get 2 memberships. Each membership allows entry for the Priority Pass cardholder you choose and their guests.
- Global Entry Application Fee Statement Credit
- $100 Visa Infinite Discount Air Benefit
- No Foreign Transaction Fee
- Up to $550 Airline Lounge Club Membership fee statement credit when you spend $50,000 or more annually
All of this plus more comes with a $400 annual fee. So why is it worth it? Well, look at those credits! If you have 3 authorized users then you will receive $1,000 annually in incidental credits. Not to mention you get 2 Priority Pass memberships with unlimited guests plus even more like 12 free Gogo passes per year.
This card earns well too. While the CNB Crystal Visa Infinite earns 1X on all normal purchases, that is upped to 3X for gas, grocery and most travel expenses.
The CNB Crystal Visa Infinite Application Process
One of the reasons I had held off on applying for the CNB Crystal Visa Infinite was because of the complicated application process. While an online application was briefly available earlier this year, for the most part you have had to either contact a banker or go into a branch to get this card. CNB Branch Locations
That truly wasn’t the biggest obstacle for me in applying though. The real reason for me was laziness and a lack of wanting to send in a ton of financial documents. CNB treats credit card applications with more scrutiny than other banks as they have stringent income and asset requirements and strictly enforce them. While anecdotally more people seem to be getting approved compared to before, the bank often requires bank statements, tax returns and sometimes even more documentation to support your application.
My CNB Crystal Visa Infinite Application Experience
To apply for the CNB Crystal Visa Infinite I emailed a banker who had helped out a friend of mine. Unfortunately I cannot share this banker’s information, however you can visit a branch or contact the bank to see if you would be able to apply without going in. YMMV, of course.
After contacting the banker I was asked for some basic information including my name, social security number, address and income. After determining I would qualify based on that info, the fun then began. The agent sent me a pre-filled online application where I had to complete a few details before electronically signing it.
One thing CNB is well known for with Crystal Visa Infinite applications is requiring documentation. My wife and I both have excellent credit scores, so I didn’t see that as being a factor. When submitting my application the banker also asked for our most recent tax return.
She did inform me though that the underwriter often requires more documentation such as assets, etc. when considering the application. We were prepared to provide this, but I was hoping a single tax return would be fine.
CNB Crystal Visa Infinite Application Processing
My entire application was done in a day. I did have a brief phone conversation with the banker to confirm things, but otherwise everything was done via email/web. I was informed it could take 2-3 business days for a decision, but alas the answer to my application came within hours.
But my wife’s application remained pending for a couple of days. It was submitted after mine so that sort of made sense, but she would not get such a quick answer. Thankfully though after two days of waiting she too was approved without the need for additional documentation. While I wasn’t thrilled about providing a tax return for a credit card, I think the value gained should be worth it.
Procrastinating the CNB Crystal Visa Infinite
I should say I have known about this card for quite a few years now and unfortunately let myself get turned off by the application process. As is usual in those types of scenarios it proved to be much simpler than I had built it up to be and I am glad that I am finally on board given the overall value of this card. If there aren’t any significant changes I suspect we’ll be keeping our CNB Crystal Visa Infinite cards for quite awhile.
Wait for A Better Offer?
Right now the bonus offer on the CNB Crystal Visa Infinite is 30K points after $3K spend in the first 3 months. It has been as high as 100K and we have also seen 75K and 50K offers in the past. While it is impossible to know if the bonus will increase, I suspect we might see higher bonuses from time to time. Keep in mind though that this card pays for itself with our without a bonus.
The CNB Crystal Visa Infinite application process went smoothly and as expected for both my wife and I. In the end we will both score the 50K point bonus plus a ton of travel credits and a few other awesome perks which will more than offset the fees. Right now the bonus is only 30K, but if a better offer comes along then this might be a card worth jumping on.