California Bank and Trust AmaZing Rate® Visa Credit Card Review

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

• 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.
• Signup bonus. Offers a signup bonus of $50 if you spend $2000 within 3 months.
• Competitive APRs. California Bank and Trust AmaZing Rate® Visa Credit Card has a variable purchase APR that ranges from 9.74% up to 15.74%.
• No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
• 3% Balance transfer fee. California Bank and Trust AmaZing Rate® Visa Credit 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 above600.

The Good

The Bad

Bonus statement credit of $50 when you spend $2,000 in 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. Considers applicants with fair or poor credit. California Bank and Trust AmaZing Rate® Visa Credit Card reports to multiple credit bureaus.

Does not offer rewards or cash back. Charges a foreign transaction fee of 3%. You don't earn rewards on every purchase. Charges a 3% balance transfer fee.

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

No, California Bank and Trust AmaZing Rate® Visa Credit Card does not offer a rewards program.

What are the California Bank and Trust AmaZing Rate® Visa Credit Card benefits?

California Bank and Trust AmaZing Rate® Visa Credit 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 Rate® Visa Credit 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 Rate® Visa Credit Card has lower than average purchase APRs.

California Bank and Trust AmaZing Rate® Visa Credit Card has a variable purchase APR that ranges from 9.74% up to 15.74%. The card has a variable balance transfer APR that ranges from 9.74% up to 15.74%.

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

What are the fees for California Bank and Trust AmaZing Rate® Visa Credit Card?

The following fees apply to California Bank and Trust AmaZing Rate® Visa Credit Card:

California Bank and Trust AmaZing Rate® Visa Credit 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 Rate® Visa Credit Card report your account activity to credit bureaus?

Yes, California Bank and Trust AmaZing Rate® Visa Credit 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 Rate® Visa Credit Card

• Visit the California Bank and Trust AmaZing Rate® Visa Credit 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.