Crystal Visa Infinite Credit CardCity National Bank · N bank, CA · FDIC 17281

CurrentLast observed Oct 15, 2026Official issuerCredit card · Consumer · VisaNetwork stated on issuer websiteFiled as “City National Crystal Visa Infinite Credit Card”

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Purchase APR

—

Balance transfer

—

Cash advance APR

—

Annual fee

—

Foreign fee

—

Grace period

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Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	—	no source read
APR for balance transfers	—	no source read
APR for cash advances	—	no source read
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Minimum interest charge	$0.70City National Bank · Page Capture Oct 15, 2026 · Captured Oct 15, 2026	“If you are charged interest, the charge will be no less than $0.70.”City National Bank · Page Capture Oct 15, 2026 · Captured Oct 15, 2026	Website
Annual fee	—	no source read
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read
Earn 3 Points per $1 spent on airline, hotel, taxi (including Uber and Lyft), limousine, rental car, train, bus, restaurant, fast food, and takeout food dining purchases, and 1 Point per $1 spent on all other purchases.Not disclosed	3 points per $1. See source conditions for eligible purchases.City National Bank · Page Capture Oct 15, 2026 · Captured Oct 15, 2026	“Earn 3 Points per $1 spent on airline, hotel, taxi (including Uber and Lyft), limousine, rental car, train, bus, restaurant, fast food, and takeout food dining purchases, and 1 Point per $1 spent on all other purchases.”City National Bank · Page Capture Oct 15, 2026 · Captured Oct 15, 2026	Website
Enjoy 3X Points on most travel purchases, airport lounge access and no foreign transactions fees.Not disclosed	3 points per $1. See source conditions for eligible purchases.City National Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“Enjoy 3X Points on most travel purchases, airport lounge access and no foreign transactions fees.”City National Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Rewards conditionsEarn 3 Points per $1 spent on airline, hotel, taxi (including Uber and Lyft), limousine, rental car, train, bus, restaurant, fast food, and takeout food dining purchases, and 1 Point per $1 spent on all other purchases.	Point posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. Earn 3 Points per $1 spent on airline, hotel, taxi (including Uber and Lyft), limousine, rental car, train, bus, restaurant, fast food, and takeout food dining purchases, and 1 Point per $1 spent on all other purchases.City National Bank · Page Capture Oct 15, 2026 · Captured Oct 15, 2026	“Earn 3 Points per $1 spent on airline, hotel, taxi (including Uber and Lyft), limousine, rental car, train, bus, restaurant, fast food, and takeout food dining purchases, and 1 Point per $1 spent on all other purchases.”City National Bank · Page Capture Oct 15, 2026 · Captured Oct 15, 2026	Website
Rewards source conditionsEarn 3 Points per $1 spent on airline, hotel, taxi (including Uber and Lyft), limousine, rental car, train, bus, restaurant, fast food, and takeout food dining purchases, and 1 Point per $1 spent on all other purchases.	There’s no cap on Points, and your Points do not expire as long as your account remains open and the Rewards Program has not ended.City National Bank · Page Capture Oct 15, 2026 · Captured Oct 15, 2026	“There’s no cap on Points, and your Points do not expire as long as your account remains open and the Rewards Program has not ended.”City National Bank · Page Capture Oct 15, 2026 · Captured Oct 15, 2026	Website
Rewards conditionsEnjoy 3X Points on most travel purchases, airport lounge access and no foreign transactions fees.	Point posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. Enjoy 3X Points on most travel purchases, airport lounge access and no foreign transactions fees.City National Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“Enjoy 3X Points on most travel purchases, airport lounge access and no foreign transactions fees.”City National Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website

Crystal-Visa-Infinite-Credit-Card-Agreement-65903Epage 1 of 12

6.75

City National Crystal ® Visa Infinite ® Credit Card

PRICING INFORMATION

(As of December 31, 2025)

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases and Balance Transfers · 20.50% or 24.50% when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate. APR for Cash Advances · 26.50% This APR will vary with the market based on the Prime Rate. Paying Interest · Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date. Minimum Interest Charge · If you are charged interest, the charge will be no less than $0.70. For Credit Card Tips from the Consumer Financial Protection Bureau · To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees Set-up and Maintenance Fees • Annual Fee • Additional Card Fee · $400 $95 annually for each card issued after the first card. Transaction Fees • Balance Transfers • Cash Advance • Foreign Transaction · Either $5 or 3% of the amount of each balance transfer, whichever is greater. Either $5 or 3% of the amount of each cash advance, whichever is greater. None Penalty Fees • Late Payment • Returned Payment · Up to $15 Up to $20

How We Will Calculate Your Balance : We use a method called 'average daily balance (including new purchases).' See your account agreement for more details.

Billing Rights : Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Margins: We add a margin of either 13.75% or 17.75% to the Prime Rate to determine the APR for Purchases and Balance Transfers, based on your creditworthiness. We add a margin of 19.75% to the Prime Rate to determine the APR for Cash Advances.

Monthly Periodic Rates : The Monthly Periodic Rate (MPR) is equal to the applicable APR divided by 12. The MPR for Purchases and Balance Transfers is either 1.70833% or 2.04166%, based on a corresponding APR for Purchases and Balance Transfers of either 20.50% or 24.50%, respectively. The Monthly Periodic Rate for Cash Advances is 2.20833%.

1 2 3 4 5 6 7 8 9 10 11 12Page 1 is cited

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

City National Bank
Page Capture Oct 15, 2026 · Captured Oct 15, 2026 · record official-issuer:page:url:eea111379db3dda5a11c6ed9fca873d8e5c12ff1eb47b9d1723d1184b0da6cc5
“Earn 3 Points per $1 spent on airline, hotel, taxi (including Uber and Lyft), limousine, rental car, train, bus, restaurant, fast food, and takeout food dining purchases, and 1 Point per $1 spent on all other purchases.”
Open source link ↗
City National Bank
Page Capture Oct 15, 2026 · Captured Oct 15, 2026 · record official-issuer:page:url:eea111379db3dda5a11c6ed9fca873d8e5c12ff1eb47b9d1723d1184b0da6cc5
“There’s no cap on Points, and your Points do not expire as long as your account remains open and the Rewards Program has not ended.”
Open source link ↗
City National Bank
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:d54eea27efe64197ce27a61851c73a9906a3eb4e67c6ed325bf2fe280d1a7a68
“Enjoy 3X Points on most travel purchases, airport lounge access and no foreign transactions fees.”
Open source link ↗
City National Bank
Page Capture Oct 15, 2026 · Captured Oct 15, 2026 · record official-issuer:page:url:eea111379db3dda5a11c6ed9fca873d8e5c12ff1eb47b9d1723d1184b0da6cc5
“Earn 3 Points per $1 spent on airline, hotel, taxi (including Uber and Lyft), limousine, rental car, train, bus, restaurant, fast food, and takeout food dining purchases, and 1 Point per $1 spent on all other purchases.”
Additional source detail; structured values remain unknown. The all-other-purchases complement has no sourced merchant category codes; its base tier is omitted.
Open source link ↗
City National Bank
Page Capture Oct 15, 2026 · Captured Oct 15, 2026 · record official-issuer:page:url:eea111379db3dda5a11c6ed9fca873d8e5c12ff1eb47b9d1723d1184b0da6cc5
“Either $5 or 3% of the amount of each cash advance, whichever is greater.”
Additional source detail; structured values remain unknown. The balance-transfer label conflicts with the cash-advance wording in its fee passage; no transfer fee is inferred.
Open source link ↗
City National Bank
Page Capture Oct 15, 2026 · Captured Oct 15, 2026 · record official-issuer:page:url:eea111379db3dda5a11c6ed9fca873d8e5c12ff1eb47b9d1723d1184b0da6cc5
“$95 Additional Card Fee upon issuance and annually thereafter for each card issued after the first card.”
Additional source detail; structured values remain unknown. The additional-card fee combines issuance and annual recurrence, which the transaction-fee payload cannot express faithfully.
Open source link ↗
City National Bank
Page Capture Oct 15, 2026 · Captured Oct 15, 2026 · record official-issuer:page:url:eea111379db3dda5a11c6ed9fca873d8e5c12ff1eb47b9d1723d1184b0da6cc5
“Pay the Global Entry application fee with your Crystal Visa Inﬁnite 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”
Additional source detail; structured values remain unknown. The Global Entry statement credit has no disclosed opening or recurring clock supported by the cash-benefit payload.
Open source link ↗
City National Bank
Page Capture Oct 15, 2026 · Captured Oct 15, 2026 · record official-issuer:page:url:7db4ccb105ef143ef8f38b449286983f88e5b6cf16db899267dc22d24b0341fa
“Enjoy 3X Points on most travel purchases, airport lounge access and no foreign transactions fees.”
Additional source detail; structured values remain unknown. 3X Points on most travel purchases does not explicitly supply the per-dollar earning denominator or define most travel purchases.
Open source link ↗
City National Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“If you are charged interest, the charge will be no less than $0.70.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
City National Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
City National Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“If you are charged interest, the charge will be no less than $0.70.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
City National Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases and balance transfers if you pay your entire balance by the due date each month. Wewill begin charging interest on cash advances on the transaction date.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
City National Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
City National Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“If you are charged interest, the charge will be no less than $0.70.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
City National Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases and balance transfers if you pay your entire balance by the due date each month. Wewill begin charging interest on cash advances on the transaction date.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
City National Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“If you are charged interest, the charge will be no less than $0.70.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
City National Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases and balance transfers if you pay your entire balance by the due date each month. Wewill begin charging interest on cash advances on the transaction date.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
City National Bank
Page Capture Oct 15, 2026 · Captured Oct 15, 2026 · record official-issuer:page:url:eea111379db3dda5a11c6ed9fca873d8e5c12ff1eb47b9d1723d1184b0da6cc5
“City National Crystal® Visa Infinite® Credit Card”
Open source link ↗
City National Bank
Page Capture Oct 15, 2026 · Captured Oct 15, 2026 · record official-issuer:page:url:7db4ccb105ef143ef8f38b449286983f88e5b6cf16db899267dc22d24b0341fa
“Crystal® Visa Infinite® Credit Card”
Open source link ↗
City National Bank
Page Capture Oct 15, 2026 · Captured Oct 15, 2026 · record official-issuer:page:url:eea111379db3dda5a11c6ed9fca873d8e5c12ff1eb47b9d1723d1184b0da6cc5
“If you are charged interest, the charge will be no less than $0.70.”
Open source link ↗

History

dates on sources or when they were captured

Oct 15, 2026: Rewards
Oct 14, 2026: Rewards

Offered through: City National Bank
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 17281
Branches: 71 in CA, DC, FL, GA, NV, NY, TN, VA
Sources: Official issuer · 5 documents · 1 page cited

Documents

Crystal-Visa-Infinite-Credit-Card-Agreement-65903Eeffective date not parsed
Crystal-Visa-Infinite-Credit-Card-Agreement-65903Eeffective date not parsed
Crystal-Visa-Infinite-Credit-Card-Agreement-65903Eeffective date not parsed
Crystal-Visa-Infinite-Credit-Card-Agreement-65903Eeffective date not parsed
Crystal Visa Infinite - Credit Card Agreement - ID 65903Eeffective date not parsed

Crystal Visa Infinite Credit CardCity National Bank · N bank, CA · FDIC 17281

Rates and fees