Terms, Conditions & Rules


City National Rewards® Program Terms, Conditions, and Program Rules

Effective From November 1, 2018

These Terms, Conditions and Program Rules (the "Rules") govern the City National Rewards® Program (the "Program") made available by City National Bank ("CNB," "we" or "us") through Financial Institution Benefit Association, Inc. and its vendor, Fidelity National Card Services, Inc. (collectively, "Program Administrator"). The Program accumulates Points, which Points may be exchanged for Awards (“Points” and “Awards” are defined below), for certain transactions using CNB's Visa® consumer and commercial credit cards that come with City National Rewards (“Rewards”).

1. Eligibility. The Program is available to the account holder(s) (“you” or “your”) of the following CNB consumer and commercial credit cards that come with Rewards: 

  • Consumer credit cards (“Consumer Cards”)
    • Visa Platinum Credit Card
    • Visa Signature® Credit Card, and
    • Crystal® Visa Infinite® Card.
  • Commercial credit cards (“Commercial Cards”)
    • Visa Commercial Credit Card, and
    • Visa Crystal Commercial Card.

Eligibility is subject to change at any time without notice. Each eligible credit card account that is enrolled in the Program is referred to in these Rules as an "Account" and each eligible card under an Account is referred to in these Rules as a "Card." Authorized users of an Account who are not the account holders are not eligible to enroll in the Program.

2. Points Accrual.

(a) Award eligible points ("Points") will accrue on net purchases only (purchases less returns and other credits) charged and billed to an Account. For each one dollar ($1) spent, Points will accrue as follows:

For Visa Platinum Credit Card, Visa Commercial Credit Card and Visa Crystal Commercial Credit Card Accounts: 1 Point on net purchases, except that the Visa Crystal Commercial Credit Card Account will not accrue Points on any taxi or limousine net purchase.

For Visa Signature Credit Card Accounts: 2 Points on net purchases made at merchants that classify their merchant location for Visa as groceries, restaurants, and fast food and takeout food dining establishments, 3 Points on net purchases made at merchants that classify their merchant location for Visa as gasoline stations, and 1 Point on all other net purchases.

For Crystal Visa Infinite Card Accounts: 3 Points on net purchases made at merchants that classify their merchant location for Visa in any of the following categories: airlines, hotels, taxis, limousines, rental cars, trains, buses, gasoline stations, groceries, restaurants, and fast food and takeout food dining establishments, and 1 Point on all other net purchases.

We do not determine whether merchants correctly identify and bill transactions as being made at locations in each particular category. However, we do reserve the right to determine which purchases qualify for the 2 or 3 Points on category purchases. Purchases not eligible to receive the 2 or 3 Points on category purchases include, but are not limited to, purchases made at superstores, warehouse clubs, discount stores, and their affiliates, and they will instead receive 1 Point. Online and catalog purchases are not eligible to receive the 2 or 3 Points on category purchases, and they will instead receive 1 Point, unless the merchants have correctly identified and billed the transactions.

The Program offers a Rewards Plus feature. Under the Rewards Plus feature, you may earn additional Points ("Rewards Plus Points") for qualified in-store and online net purchases from retailers participating in the Rewards Plus network. To earn Rewards Plus Points for qualified online net purchases, you must access the participating retailer website from the Rewards Plus link on the Rewards website after you log in. Once you've accessed the retailer's website, simply use your Card to make your purchase. The Rewards Plus feature is subject to change and cancellation at any time. See FAQs for further details on the Rewards Plus feature.

From time to time we may at our sole option offer additional Points or bonus Points for one or more categories of purchases and for certain of our Consumer Cards and Commercial Cards.

(b) No Points accrue if an Account is closed, cancelled, blocked, suspended or otherwise not available for use as a source of funding.

(c) No Points accrue for finance charges, interest, late fees, cash advances, balance transfers, cash advance fees, ATM withdrawals and any related ATM fees, PIN-based transactions, foreign transaction fees, foreign transaction currency conversion charges and any related fees, and all other fees and charges posted to your Account.

(d) Credits posted to an Account, including those arising from returned goods or services, reduce the Points accrued in an Account.

(e) Points do not accrue in any Account for any purchases or transactions made and processed by us prior to the date the Account is enrolled in the Program.

3. Point Redemption.

(a) Subject to these terms and conditions, Points may be redeemed by you either on the Rewards website or by calling Award Headquarters at (800) 411-0596 (See Rewards Website Registration below).

(b) Points may be redeemed by you to obtain gift cards, gift certificates, merchandise, travel*, or other items ("Awards") available in the Program at the time of redemption. You may order as many Awards as you like using your Points as long as you have a sufficient number of Points available in your Account. Point requirements assigned to any Award are subject to change from time to time without notice. Awards may be substituted or discontinued at any time without notice. Should an Award be unavailable or discontinued, you will be advised and you may make an alternate selection or have your Points returned to your Account.

(c) Your Account must be open and in "good standing" at the time your Awards order is received for processing. CNB reserves the right to suspend your participation in the Program until the Account is in "good standing." To be in "good standing," an Account must (i) not be delinquent or otherwise in default under the terms of the agreement governing the Account, (ii) not have been cancelled or closed by you or us, or (iii) otherwise be available as a source for funding.

(d) All orders for Awards of merchandise are subject to merchandise availability. You will be notified if the merchandise you have ordered is unavailable and if and when the merchandise will become available. Certain merchandise Awards may require an additional charge for shipping and handling. Merchandise is usually delivered by a commercial delivery service or the U.S. Postal Service within four to six (4-6) weeks of processing your Award order. Each item ordered may be shipped separately. Shipments cannot be made to a post office box or outside the United States. If you have an APO/FPO address, please contact Award Headquarters customer service at (800) 411 0596 for details regarding merchandise options and shipments before ordering. Note any damages or shortages on the delivery receipt before signing to accept delivery from the carrier.

(e) Merchandise which is received damaged or defective may be returned within thirty (30) days of receipt for replacement. Please contact Awards Headquarters customer service at (800) 411 0596 to arrange for the return of damaged or defective merchandise. All parts, instructions, applicable manufacturer's warranties and warranty cards and original packaging materials must be returned with the merchandise.


(g) Awards may be subject to additional restrictions imposed by the vendors participating in the Program. Please go to the Rewards website or call (800) 411 0596 for information regarding additional restrictions on merchandise Awards, or (855) 853 5496 for information regarding additional restrictions on travel Awards.*

(h) Certain restrictions may apply to travel certificates, tickets and documents. Travel certificates are not exchangeable, refundable, transferable or redeemable for cash. All travel certificates, tickets and documents will be mailed first class U.S. Mail and will not be replaced in the event of loss, destruction or theft. Awards are usually be delivered within four to six (4-6) weeks of processing your order. You may request travel certificates, tickets and documents to be delivered by overnight carrier but you must agree to pay the associated additional delivery fees before shipment. You are responsible for Federally-imposed airline security fees as well as any surcharges or additional fees, if applicable, as may be imposed by the airlines or aviation authority and must pay them by credit or debit card at the time of the reservation booking. Any additional travel or accommodation arrangements made in connection with Awards will be your sole responsibility.*

4. Rewards Website Registration.

  • For Consumer Cards Accounts, registration and access to the Rewards website is available only through the City National Online service. You must first register for our City National Online service at cno.cnb.com. Once registered, you will be able to log in to the City National Online service and link to and register on the Rewards website.
  • For all other Accounts (including Commercial Cards Accounts and debit cards Accounts on which Points were previously awarded and remain outstanding), and for Authorized Redeemers (as defined in the Householding Program Rules available at cnb.com/personal/cards/rewards-program/combining-householding-points/householding-program-rules.html), registration and access to the Rewards website is available only through the following website: www.cnbrewards.com.

5. Points Statement. Except as indicated below, we will send you a City National Rewards statement ("Points Statement") on a quarterly basis, which Points Statement will be mailed to the address of the Account we have in our records. This quarterly Points Statement will show your Points balance as of the end of the quarter. For Consumer Cards Accounts, you will receive your Points Statement by e-mail on a monthly basis once you have registered on the Rewards website (See Rewards Website Registration above). This monthly Points Statement will include, among other things, the number of Points accrued and redeemed and your Points balance as of the end of the month. All Points are subject to adjustment as provided for in these Rules. Your Account may be charged for the actual cash difference between the cost of the Awards redeemed and the net value of the actual Points available in the event you redeem unearned Points.

6. Expiration and Forfeiture of Points. Points will be forfeited and will expire if your Account is closed for any reason. Points earned on an Account do not expire provided that Account remains in good standing and the Program is not terminated by us. If we terminate the Program for any reason, you will have 60 days to redeem your Points, assuming your Account is not closed during that period. At the end of the 60-day period, your unredeemed Points will expire. Awards orders must be received on or before the date your Points expire.

7. Miscellaneous.

(a) Other than Awards available in the form of Account statement credits, Points have no cash value. Points in this Program cannot be exchanged for cash or credit, may not be used with any other offer, promotion or discount, cannot be combined with cash to obtain an Award and cannot be earned from or transferred to any other rewards program.

(b) Subject to applicable law, Points are not transferrable.

(c) Awards available under the Program are subject to change at any time without notice. We reserve the right to add to, change and/or otherwise amend the Program and these Rules at any time without notice. This means, for example, that we may (i) change the number of Points required to redeem Awards, (ii) change the number of Points that may accrue for purchases and charges, (iii) impose caps on the annual number of Points that may accrue, (iv) impose an annual fee, or (v) discontinue or add eligible Accounts. In addition, we reserve the right to discontinue and terminate the Program at any time without prior notice unless otherwise required by applicable law. If the Program is terminated, you will have 60 days from the date we send you notice of termination to redeem your accrued Points provided the Points are not forfeited. We reserve the right to close your Account for good cause at any time. If your Account is closed, your Points will be forfeited.

(d) Contact CNB for details on any current promotions affecting Point accrual or redemption options. Points may be forfeited due to Rules violations. This Program is void where prohibited or restricted by law. You are responsible for any applicable federal, state or local taxes arising out of the accrual or transfer of Points and the redemption of Points for Awards.

(e) You understand and agree that neither the Program Administrator (as described in the FAQs) nor Visa nor any vendor providing Awards under the Program shall be responsible or liable to you if CNB fails to meet its contractual and other obligations owed to the Program Administrator, or the Program is interrupted or terminated prior to your having redeemed your Points or receive your Awards. You also understand and agree that neither the Program Administrator, nor CNB, nor Visa is responsible or liable to you if an Awards vendor or provider files for bankruptcy or otherwise goes out of business after you have redeemed your Points for an Award from the vendor or provider but before you receive or use the Award.

(f) All questions or disputes regarding eligibility for the Program, eligibility of Points accrued, transfer of points and redemptions of rewards will be resolved by the Program Administrator in its sole discretion. Points you receive are subject to adjustment by the Program Administrator. All Rules determinations by the Program Administrator are final. Your use of an Account following receipt of these Rules will indicate your agreement to these Rules.

(g) Despite the Program's best efforts to ensure accuracy, printing errors occasionally occur. The Program reserves the right to correct such errors at any time even if it affects a pending redemption of Points for an Award. None of CNB, the Program Administrator, or Visa are responsible for typographical errors and/or photographic errors and/or omissions in the brochure or other documentation accompanying these Rules or made available under the Program.

(h) These Rules are governed by and construed under the laws of the State of California (excluding conflicts of law provisions).

City National Rewards is a registered trademark owned by City National Bank.

Visa, Visa Signature and Visa Infinite are registered trademarks owned by Visa International Service Association and are used under license.

City National Bank is a subsidiary of Royal Bank of Canada.

* Travel Services are provided by Connexions Loyalty, Inc. Connexions Loyalty, Inc. is not owned by or otherwise affiliated with City National Bank or any of its affiliates.