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  California Bank and Trust AmaZing Cash® Card

California Bank and Trust AmaZing Cash® Card

in Personal Credit Cards from California Bank and Trust

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California Bank and Trust AmaZing Cash® Card

Unaffiliated

in Personal Credit Cards from California Bank and Trust

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Highlights
Purchase APR  (Variable APR) 11.24% - 18.24%
Balance Transfer APR  (Variable APR) 11.24% - 18.24%
Credit Score Range 650 - 850
Annual Fee $0

California Bank and Trust AmaZing Cash® Card Review

California Bank and Trust AmaZing Cash® Card is a cashback credit card issued by California Bank and Trust. If you're wondering whether California Bank and Trust AmaZing Cash® Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter than the average 0% APR period of 12 months.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
  • Competitive APRs. California Bank and Trust AmaZing Cash® Card has a variable purchase APR that ranges from 11.24% up to 18.24%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. California Bank and Trust AmaZing Cash® Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval oods if your credit score is above650.
California Bank and Trust AmaZing Cash® Card Pros & Cons
The Good The Bad
  • 1% cash back on purchases with no cap.
  • Annual reward bonus.
  • 2% cash back on purchases for the first 90 days.
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • 0% APR on new purchases during the first 6 months.
  • No annual fee.
  • Offers auto rental collision damage waiver.
  • Identity Theft Protection.
  • California Bank and Trust AmaZing Cash® Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Charges a 3% balance transfer fee.
California Bank and Trust AmaZing Cash® Card FAQ

Is there a California Bank and Trust AmaZing Cash® Card cash back or rewards program?

No, California Bank and Trust AmaZing Cash® Card does not offer a rewards program. California Bank and Trust AmaZing Cash® Card is a cashback card. This means you earn a percentage of your purchase as a cash reward.

What are the California Bank and Trust AmaZing Cash® Card benefits?

California Bank and Trust AmaZing Cash® Card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for California Bank and Trust AmaZing Cash® Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. California Bank and Trust AmaZing Cash® Card has lower than average purchase APRs.

California Bank and Trust AmaZing Cash® Card has a variable purchase APR that ranges from 11.24% up to 18.24%. The card has a variable balance transfer APR that ranges from 11.24% up to 18.24%.

The good news is this card does not charge a penalty APR if you are late on a payment.

Does California Bank and Trust AmaZing Cash® Card have an introductory APR offer on balance transfers?

Yes, California Bank and Trust AmaZing Cash® Card offers an introductory APR rate on balance transfers of 0% for a period of up to 6 months.

California Bank and Trust AmaZing Cash® Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period Starting at 3%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 11.24% - 18.24%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%

Does California Bank and Trust AmaZing Cash® Card have an introductory APR offer on new purchases?

California Bank and Trust AmaZing Cash® Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 6 months

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 6 months.

What are the fees for California Bank and Trust AmaZing Cash® Card?

The following fees apply to California Bank and Trust AmaZing Cash® Card:

California Bank and Trust AmaZing Cash® Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $25
Late Payment Fee up to $10

Does California Bank and Trust AmaZing Cash® Card have a foreign transaction fee?

California Bank and Trust AmaZing Cash® Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Does California Bank and Trust AmaZing Cash® Card report your account activity to credit bureaus?

Yes, California Bank and Trust AmaZing Cash® Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for California Bank and Trust AmaZing Cash® Card

  • Visit the California Bank and Trust AmaZing Cash® Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

  • Headquarters
  •   11375 El Camino Real
    San Diego, CA 92130
  •   Visit Site

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

About California Bank and Trust AmaZing Cash® Card

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View all personal credit cards offered by California Bank and Trust

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) 1% cash back on purchases with no cap.
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $1
Returned Payment Fee Up to $25
Late Fee Amount Up to $10
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
  • Identity Theft Protection
Annual Loyalty Bonus $100
Annual Loyalty Bonus Spend Requirement $25,000
Rewards Rates
  • Every Purchase
Balance Computation “Average daily balance (including new purchases)”.
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 11.24% - 18.24%
Balance Transfer Fee % After Intro Period Starting at 3%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 11.24% - 18.24%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Card Type
  • Balance Transfer
  • Cashback
  • Bonus Offers
  • Zero Percent
Card Network Visa

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