City National · Visa Infinite · Personal
City National Crystal
A $400-a-year card earning cash back: 3× on 9 categories, 1× on everything else.
- Annual fee
- $400Charged every year
- Signup bonus
- NoneNo signup bonus listed
- Top rate
- 3×9 categories
- Point value
- 1¢Cash back, a cent a point
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus None listed | $0 | – |
| Cash back on your spend Enter your spending | $0 | $0 |
| Credits you’d use None ticked yet | $0 | $0 |
| Annual fee Charged each year | −$400 | −$400 |
| NetYear one includes the bonus · at your inputs · our estimates* | −$400 | −$400 |
Earning structure
10 categories, 2 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
| Airfare | 3× | $3.00 | |
Airfare (Portal) NotesPortal not required. | 3× | $3.00 | |
| Car Rentals | 3× | $3.00 | |
Car Rentals (Portal) NotesPortal not required. | 3× | $3.00 | |
| Dining | 3× | $3.00 | |
| Hotels | 3× | $3.00 | |
Hotels (Portal) NotesPortal not required. | 3× | $3.00 | |
| Ridesharing | 3× | $3.00 | |
Transit NotesBuses, trains, taxies, limos, and ridesharing | 3× | $3.00 | |
| All Other | 1× | $1.00 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- $400
- Card type
- Personal
- Network
- Visa Infinite
- Bank
- City National
- Point system
- Cash back
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- No
- Cash to travel
- No
Benefits7 · 4 high value
- Airport Express Credits High value$100 Global Entry Application Fee Statement Credit
- Car Rental Insurance High valuePRIMARY Auto Rental Collision Damage Waiver
- Credits & Discounts High valueUp to $350 Airline Incidental Fees Statement Credit
- Lounge Access High valuePriority Pass™ Select Airport Lounge Access
- Earn Perks & Status Up to $550 Airline Lounge Club Membership Fee Statement Credit
- Instant Perks & Status Visa Infinite Car Rental Privileges
- Travel Protections Visa Infinite Travel Protections
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 City National Crystal |  Alaska Airlines Atmos Rewards Summit |  Capital One Venture X |  Associated Bank Reserve Rewards+ | |
|---|---|---|---|---|
| Annual fee | $400 | $395−$5 | $395−$5 | $390−$10 |
| Signup bonus | None | 80,000 pts | 75,000 pts | 50,000 pts |
| Top rate | 3×9 categories | 3×3 categories | 10×Hotels (Portal), Car Rentals (Portal) | 6×3 categories |
| Travel value * | –Cash back | 1.55¢Atmos Rewards | 1.7¢Capital One Miles | 1¢Elan Rewards |
| Why it’s here | This card | An annual fee within $100, with transferable points | An annual fee within $100, with transferable miles | An annual fee within $100 |
Alaska Airlines Atmos Rewards Summit
$395 fee (−$5) · 3× top80,000 pts bonusAn annual fee within $100, with transferable points
Capital One Venture X
$395 fee (−$5) · 10× top75,000 pts bonusAn annual fee within $100, with transferable miles
Associated Bank Reserve Rewards+
$390 fee (−$10) · 6× top50,000 pts bonusAn annual fee within $100
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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