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Householding Program Rules

Effective April 15, 2013

Under the City National Bank ("CNB") Rewards® program, Points earned by the use of a Credit Card may be combined for the purpose of redeeming the Points to obtain awards.  This combining of Points for redemption is called "Householding." Credit Cards include City National Consumer Visa® Credit Cards and City National Visa Commercial Credit Cards that come with City National Rewards. The Householding Program Rules are composed of three parts, defined as follows:

  • Part I:  The terms and conditions that govern Householding generally ("General Terms and Conditions");
  • Part II:  The terms and conditions that govern Householding of Points earned by use of a consumer credit card (the "Consumer Householding Program Rules"); and
  • Part III:  The terms and conditions that govern Householding of Points earned by use of a commercial credit card (the "Business Householding Program Rules").

The General Terms and Conditions, the Consumer Householding Program Rules and the Business Householding Program Rules are collectively referred to as the "Householding Rules".

Part I. General Terms and Conditions:

  1. The following terms have the meanings set forth below and apply to all Householding Rules. Additional terms are defined elsewhere in these Householding Rules.
    • "Account" means the CNB credit card account associated with the Card.
    • "Card" means a City National Visa Credit Card issued under an Account that comes with City National Rewards. If more than one Card with the same card number is issued under an Account, all such Cards, together, are considered to be one Card.
    • "Customer ID Number" means the unique identification number assigned to an Account by CNB, which Customer ID Number will be assigned to each Card issued under an Account. Accounts assigned the same tax identification number in CNB's records will have the same Customer ID Number.
    • "Contributing Card" means a Qualifying Card included in a Household, other than the Primary Card, which earns Points for the Household.
    • "Household" means the group of Qualifying Cards that share the same Customer ID Number, together with the other Qualifying Cards which CNB may allow in the Household upon application by the Consumer Primary Cardholder, Business Primary Cardholder or the Authorized Redeemer, as applicable, in order to aggregate the Points earned from each Qualifying Card in the group. For purposes of these Householding Rules, a Household includes a Business Household.
    • "Point" means a unit of value determined by CNB from time to time based on the dollar value of an eligible transaction conducted by use of a Qualifying Card and subject to change without notice. Points may only be redeemed for awards.  Points have no cash value.
    • "Primary Account" means the Qualifying Account assigned by CNB to be the Primary Account in the Household, or as otherwise designated by the Consumer Primary Cardholder, the Business Primary Cardholder or the Authorized Redeemer, as provided in these Rules, to be the Primary Account in the Household.
    • "Primary Card" refers to either the Consumer Primary Card or the Business Primary Card, as applicable.
    • "Qualifying Account(s)" means the Accounts determined by CNB, in CNB's discretion, to be eligible to participate in the Householding Program. To be eligible as a Qualifying Account, an Account must, at least, be open and in good standing (i.e., not delinquent or otherwise unavailable for use) and meet such other conditions as determined by CNB.
    • "Qualifying Card(s)" means the Cards issued under a Qualifying Account, the Points of which can be combined into a Household.
  2. CNB reserves the right to select the Cards which may participate in the Householding Program.
  3. CNB may modify, suspend, or cancel the Householding Program or the Householding Rules at any time without notice, restriction or penalty.
  4. A minimum of two Cards are required to participate in the Householding Program.
  5. Each Household must have a Primary Card, which Primary Card is determined as provided elsewhere in these Householding Rules. The Customer ID Number of the Primary Card shall initially be the Customer ID Number of the Household unless and until a change is requested and agreed to by CNB.  All Qualifying Cards in the Household must have the same Customer ID Number except as CNB may otherwise allow.
  6. Points are redeemed in the order in which they are earned on the Cards in the Household and, if the order is undeterminable, then as CNB shall decide. Points may only be redeemed based on contributions from Cards for Qualifying Accounts which are open and available for use.
  7. In the event an award is returned, any Points redeemed for that award will be recredited to the Primary Card in the Household.
  8. The Card may be transferred to a new Card issued when the Card is lost or stolen or fraudulent activity has posted.  In the event a Primary Card is transferred or a new Card is issued to replace the Primary Card, the newly issued Card will assume the role of Primary Card as long as it meets the criteria for inclusion in the Household.  When a Contributing Card is transferred or a new Card is issued to replace the Contributing Card, the newly issued Card will maintain participation in the Household as long as the criteria for inclusion in the Household are met.
  9. The Primary Card in a Household may be changed by contacting Award Headquarters Customer Service at 800-411-0596.
  10. Participation in the Householding Program may be stopped by notifying Award Headquarters Customer Service at 800-411-0596. 
  11. Additional Householding Program requests can be made by submitting an application via the City National Rewards program website at www.cnb.com/rewards.
  12. These Householding Rules supplement and are in addition to the City National Rewards Program Terms, Conditions and Program Rules. In the event of an inconsistency, these Householding Rules apply. By using a Card and participating in the Householding Program each participant acknowledges that he or she has read and understands these Householding Rules and agrees to be bound by them. City National Bank or its delegate shall be responsible to interpret these Householding Rules and all decisions are final.

Part II. Consumer Householding Program Rules

  1. For purposes of the Consumer Householding Program Rules, the following terms have the following meanings:
    • "Cardholder" means the individual obligated on the Account to whom CNB has issued a Card.
    • "Consumer Primary Card" means the Qualifying Card assigned by CNB to be the Primary Card in the Household, or as otherwise designated by the Consumer Primary Cardholder as provided in these Householding Rules to be the Primary Card in the Household.
    • "Consumer Primary Cardholder" means the individual(s) whose Card is designated as the Consumer Primary Card.
  2. CNB automatically combines into a Household those Qualifying Cards that share the same Customer ID Number as the Consumer Primary Cardholder.
  3. Any Cardholder may submit an application via the City National Rewards Program website to include a Card as a Contributing Card in a Household established under these Consumer Householding Program Rules.
  4. Additional Householding Program requests can be made to CNB Customer Service at 1-800-773-7100, or by submitting an application via the City National Rewards Program website.
  5. CNB reserves the right to deny any application submitted under Paragraphs 3 or 4 of this Part II for good cause. An application will typically be processed within three (3) business days of receipt.
  6. Notification of a decision on any such application will be emailed to the address provided for each account included in the application.
  7. All Points earned on all Contributing Cards in the Household will be accumulated with Points earned by the Consumer Primary Card for redemption under the Consumer Primary Card.
  8. Only the Consumer Primary Cardholder of the Consumer Primary Card in the Household may redeem Points for awards.
  9. A Household will be dissolved in the event the Consumer Primary Card is cancelled or terminated by either party, or permanently unavailable for use. If this occurs Points will be returned to the other Contributing Cards based on their individual Points contributions made less any Points adjusted, redeemed, expired or forfeited. Any Points earned by Contributing Cards which are cancelled or terminated by either party, or otherwise unavailable for use (including due to the delinquency of the Account under which the Contributing Cards were issued) will not be available to the Contributing Card for redemption until the status is resolved and the Card (and the related Account, if applicable) is again considered open and available for use.
  10. A Contributing Card may be removed from a Household based on the request of the Cardholder of the Contributing Card. Upon removal, the Contributing Card will be awarded any Points it contributed to the Household, net of any Points adjusted, expired, or redeemed. The Household Points aggregate balance is reduced by any Points returned to the removed Contributing Card.

Part III. Business Householding Program Rules.

  1. For purposes of the Business Householding Program Rules, the following terms have the following meanings:
    • "Authorized Redeemer" means the individual(s) designated by the Business who are authorized to access, view, manage and redeem Points in the Household of the Business. The Household of the Business may have a maximum of two (2) Authorized Redeemers unless the Authorized Redeemer is the Business Primary Cardholder in which case there can only be one (1) Authorized Redeemer.
    • "Business" means any form of business organization eligible to establish one or more Accounts with CNB, including a sole proprietorship.
    • "Business Account" means an Account opened by CNB for a Business pursuant to which one or more Cards are issued to one or more of the Business' employees or other authorized individuals (each an "Authorized User").
    • "Business Household" means the Qualifying Cards issued to the Business which are included in the Household either by reason of the automatic inclusion feature of the Business Householding Program Rules or by designation of the Business or an Authorized Redeemer designated by the Business upon application to CNB.
  2. CNB automatically combines all Qualifying Cards with the same Customer ID Number of the Business into the Business Household and will automatically identify the Business Primary Card.  If a Business is a sole proprietorship, CNB also automatically combines into a Household all Qualifying Cards of such Business with all Qualifying Cards subject to the Consumer Householding Program Rules which are issued to the individual who is the sole proprietor of such Business provided the sole proprietorship and the individual have the same Customer ID Number.
  3. The Business, through an Authorized Redeemer, may apply to CNB to:

    (a) include additional Qualifying Cards in the Business Household.
    (b) change the Business Primary Card.
    (c) remove one or more Business Cards from the Business Household.
    (d) permit a Card issued to an Authorized User under the Business

    Account to remain in the Rewards Program and to permit the Authorized User to retain and redeem the Points earned on the Card of the Authorized User.  In the event an Authorized User is permitted to retain and redeem the Points earned on a Card, the Card and the Points earned on the Card will be removed from the Business Household. The Authorized User's Card will remain in the Rewards Program and all Points earned on the Authorized User's Card will be redeemable only by the Authorized User and not by the Business. In addition, all Points previously earned on the Authorized User's Card and not redeemed by the Business will be available for redemption only by the Authorized User of the Card. CNB reserves the right to refuse to allow Cards to be removed from the Business Household and to remain in the Rewards Program for the benefit of the Business Household.

  4. Except as otherwise provided in Paragraph 3(d) of this Part III, all Points earned by the Business Household are automatically aggregated from all the Contributing Cards in the Household for redemption through the Business Primary Card.
  5. Only an Authorized Redeemer may redeem the Points aggregated in the Business Household.
  6. In the event a Card is removed from the Business Household under Paragraph 3(c) of this Part III, the Card will remain in the Rewards Program unless otherwise directed by the Business, through an Authorized Redeemer.
  7. If Cards are removed from the Business Household but permitted by application to remain in the Rewards Program under Paragraph 3(d) of this Part III, the Points earned by use of a Card may not be included in any other Household for the purpose of aggregating Points, unless otherwise permitted by CNB.
  8. The Business, through an Authorized Redeemer, may submit an application via the City National Rewards Program website to include a Card as a Contributing Card in a Business Household established under these Business Householding Program Rules.
  9. A Business Household will be dissolved in the event the Business Primary Card or the Account under which it was issued is cancelled or terminated by either party, or permanently unavailable for use and no alternate Business Primary Card is designated. If an alternate Business Primary Card is designated, the Points in the Business Household will be retained in the Business Household.  In the event no alternate Business Primary Card is designated, the Points in the Business Household will expire and are forfeited unless CNB and the Business, through an Authorized Redeemer, otherwise agree in writing.
  10. Additional Business Householding Program requests can be made by submitting an application via the City National Rewards Program website.
  11. CNB reserves the right to deny any application submitted under Paragraph 3, 7, 8 or 10 of this Part III for good cause. An application will typically be processed within three (3) business days of receipt.
  12. Notification of a decision on any application will be provided via email to the email address provided for each Card included in the application.