Last Updated: 07/28/2025
California Bank and Trust Elite Visa® Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
14.24% - 22.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
700 - 850
Annual Fee
$195
California Bank and Trust Elite Visa® Card Review
This is a cashback credit card issued by California Bank and Trust. If you're wondering whether California Bank and Trust Elite Visa® Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 6 months, which is shorter than the average 0% APR period of 12 months.
- Signup bonus. Offers a signup bonus of up to $300.
- Welcome offer. Offers a signup bonus of 30000 points that can be redeemed for travel, gifts, or other perks.
- APRs: California Bank and Trust Elite Visa® Card has a variable regular purchase APR that ranges from 14.24% up to 22.24%.
- A 3% balance transfer fee. California Bank and Trust Elite Visa® 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 $5.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of California Bank and Trust Elite Visa® Card
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California Bank and Trust Elite Visa® Card FAQ
Does California Bank and Trust Elite Visa® Card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
Does California Bank and Trust Elite Visa® Card have a signup bonus?
Yes, it offers card users a signup bonus worth up to $300 . However, it does include a 30000 points signup bonus that can be redeemed for travel, gifts, or other perks.
Does California Bank and Trust Elite Visa® Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the California Bank and Trust Elite Visa® Card benefits?
California Bank and Trust Elite Visa® Card provides the following benefits:
- Zero fraud liability
- No blackout dates when redeeming miles
- Reports to major credit bureaus
What are the relevant APRs for California Bank and Trust Elite Visa® Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.California Bank and Trust Elite Visa® Card has a variable purchase APR that ranges from 14.24% up to 22.24%. California Bank and Trust Elite Visa® Card does not offer balance transfers.
The good news is this card does not charge a penalty APR if you are late on a payment.
Does California Bank and Trust Elite Visa® 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 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does California Bank and Trust Elite Visa® Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for California Bank and Trust Elite Visa® Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $195 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $195.
Does California Bank and Trust Elite Visa® Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for California Bank and Trust Elite Visa® Card?
The customer service number for California Bank and Trust Elite Visa® Card is .
What is the support contact email for California Bank and Trust Elite Visa® Card?
The support contact email for California Bank and Trust Elite Visa® Card is info@calbanktrust.com.
What is the login page for California Bank and Trust Elite Visa® Card?
You can access the login page of California Bank and Trust Elite Visa® Card here.
How do people rate the customer service and user experience of California Bank and Trust Elite Visa® Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does California Bank and Trust Elite Visa® Card report your account activity to credit bureaus?
Yes, California Bank and Trust Elite Visa® Card reports to the following credit bureaus:
- 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 build your credit.
Does California Bank and Trust perform a hard credit pull?
Yes, California Bank and Trust Elite Visa® Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for California Bank and Trust Elite Visa® Card
- Visit the website of California Bank and Trust Elite Visa® Card.
- 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.
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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.
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