SuperMoney
Explore
Compare Rates

Compare All Personal Credit Cards

Filter & compare all your options in one place.

View All Personal Credit Cards
x No thanks, not right now
Advertiser Disclosure
  California Bank and Trust AmaZing Rate® Visa Credit Card

California Bank and Trust AmaZing Rate® Visa Credit Card

in Personal Credit Cards from California Bank and Trust

Unaffiliated

California Bank and Trust AmaZing Rate® Visa Credit Card

Unaffiliated

in Personal Credit Cards from California Bank and Trust

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend California Bank and Trust AmaZing Rate® Visa Credit Card to your friends?

Thanks for your vote!

You voted: May or may not recommend

Change my vote
Highlights
Purchase APR  (Variable APR) 9.74% - 15.74%
Balance Transfer APR  (Variable APR) 9.74% - 15.74%
Credit Score Range 600 - 850
Annual Fee $0

California Bank and Trust AmaZing Rate® Visa Credit Card Review

This 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 review will provide you with with all the details you need 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.
  • 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 odds if your credit score is above 600.
Pros & Cons of California Bank and Trust AmaZing Rate® Visa Credit Card
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.
California Bank and Trust AmaZing Rate® Visa Credit Card FAQ

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

No, it does not offer a rewards program.

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

It 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It 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.

Does California Bank and Trust AmaZing Rate® Visa Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 6 months.

California Bank and Trust AmaZing Rate® Visa Credit 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 9.74% - 15.74%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%

Does California Bank and Trust AmaZing Rate® Visa Credit Card have an intro APR offer on new purchases?

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

This card does offer an intro 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 Rate® Visa Credit Card?

The following fees apply:

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

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does California Bank and Trust AmaZing Rate® Visa Credit Card have a foreign transaction fee?

California Bank and Trust AmaZing Rate® Visa Credit 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 foreign transaction fees.

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.

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 Rate® Visa Credit Card

Icon for Personal Credit Cards
View all personal credit cards offered by California Bank and Trust
View California Bank and Trust Profile

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

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 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
  • Identity Theft Protection
Signup Bonus Starting at $50
Rewards Type No Rewards
Balance Computation “Average daily balance (including new purchases)”.
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 9.74% - 15.74%
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) 9.74% - 15.74%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Card Type
  • Balance Transfer
  • Low Interest
  • Bonus Offers
  • Zero Percent
Card Network Visa

Be the first to rate

 

Would you recommend California Bank and Trust AmaZing Rate® Visa Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Personal Credit Cards

Strongly recommended

15 Reviews

Strongly recommended

17 Reviews

Mostly recommended

24 Reviews

View All

California Bank and Trust Personal Credit Cards

Loading...
Browse Personal Credit Cards
SuperMoney
Goals
Partner with us
Go to homepage

NMLS Consumer Access ID #1520999

Copyright 2021 SuperMoney, LLC. All rights reserved.

SuperMoney Advertiser Disclosure

*SuperMoney is not responsible for third party products, services, sites, recommendations, endorsements, reviews, etc. All products, logos, and company names are trademarks™ or registered® trademarks of their respective holders. Their use does not signify or suggest the endorsement, affiliation, or sponsorship, of or by SuperMoney or them of us.

This content is not provided by any financial institution. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any financial institution.

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. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). SuperMoney strives to provide a wide array of offers for our users, but our offers do not represent all financial services companies or products.

We endeavor to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide.

† To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.