the most common variant of csv out there which is the excel compatible one will allow embedded newlines so long as the field is surrounded by double quotes.
foo,bar,"blah blah
more blah blah",baz
or
foo,bar,"blah blah
more blah blah"
or
"blah blah
more blah blah",baz
are all valid. This mechanism also allows for embedded commas.
Using quotes around textual fields without embedded new lines (or commas) is fine too. If the text itself contains a double quote then mechanism to escape it is to put two together, for example.
foo,bar,"this person said ""blah blah
more blah blah""",baz
Writing a csv reader that handles this correctly can be tricky (especially if you are relying on regular expressions).