
California Bank and Trust Reserve Visa® Card
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Purchase APR (Variable APR) | 14.24% - 24.24% |
Balance Transfer APR (Variable APR) | N/A |
Credit Score Range | 700 - 850 |
Annual Fee | $450 |
California Bank and Trust Reserve Visa® Card Review
This is a cashback credit card issued by California Bank and Trust. If you're wondering whether California Bank and Trust Reserve Visa® Card is the right card for you, read on.
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.
- Signup bonus. Offers a signup bonus of up to $500 if you spend $5000 within 3 months.
- Signup bonus. Offers a signup bonus of 50000 points after spending $5,000 within 3 months that can be redeemed for travel, gifts, or other perks.
- Competitive APRs. California Bank and Trust Reserve Visa® Card has a variable purchase APR that ranges from 14.24% up to 24.24%.
- 3% Balance transfer fee. California Bank and Trust Reserve 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.
- Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, identity theft protection, trip cancellation insurance, and fraud protection.
- Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of California Bank and Trust Reserve Visa® Card
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California Bank and Trust Reserve Visa® Card FAQ
Does California Bank and Trust Reserve 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. You will receive 2% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $20 back in cash.
Minimum rewards rate | 2x |
Max rewards rate | N/A |
Annual rewards limit | N/A |
Signup Bonus ($) | Starting at $500 |
Signup Bonus (Points/Miles) | 50000 |
Signup Bonus Spend Requirement | $5000 |
Signup Bonus Spend Period (months) | 3 months |
Does California Bank and Trust Reserve Visa® Card have a signup bonus?
Yes, it offers card users a signup bonus worth up to $500 after spending $5000. However, it does include a 50000 points signup bonus after spending $5000 that can be redeemed for travel, gifts, or other perks.
Does California Bank and Trust Reserve Visa® Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the California Bank and Trust Reserve Visa® Card benefits?
It provides the following benefits:
- Trip Cancellation Insurance
- Zero fraud liability
- No blackout dates when redeeming miles
- Reports to major credit bureaus
What are the relevant APRs for California Bank and Trust Reserve Visa® 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. This card has lower than average regular APRs.California Bank and Trust Reserve Visa® Card has a variable purchase APR that ranges from 14.24% up to 24.24%.
The good news is this card does not charge a penalty APR if you are late on a payment.
Does California Bank and Trust Reserve 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 up to 6 months.
Description | |
---|---|
Balance Transfer Fee % After Intro Period | Starting at 3% |
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period | 6 months |
Balance Transfer Fee Minimum | $5 |
Balance Transfer Fee % | 3% |
Does California Bank and Trust Reserve 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 Reserve Visa® Card?
The following fees apply:
Fees | Amount |
---|---|
Annual Fee | $450 |
Foreign Transaction Fee | 0% |
Returned Payment Fee | up to $35 |
Late Payment Fee | up to $35 |
Does California Bank and Trust Reserve 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 Reserve Visa® Card?
The California Bank and Trust Reserve Visa® Card customer service number is .
What is the support contact email for California Bank and Trust Reserve Visa® Card?
The support contact email for California Bank and Trust Reserve Visa® Card is info@calbanktrust.com.
What is the California Bank and Trust Reserve Visa® Card login page?
You can access the California Bank and Trust Reserve Visa® Card login page here.
How do people rate the customer service and user experience of California Bank and Trust Reserve Visa® Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does California Bank and Trust Reserve Visa® Card report your account activity to credit bureaus?
Yes, California Bank and Trust Reserve Visa® 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 Reserve Visa® Card
- Visit the California Bank and Trust Reserve Visa® 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.
Contact
- Headquarters
-
11375 El Camino Real
San Diego, CA 92130 USA - Visit Site
- Email Support
About California Bank and Trust Reserve Visa® Card
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
Cash Advance Fee Minimum | $10 |
Cash Advance Fee (%) | Starting at 5% |
Minimum Cash Advance Fee ($) | Starting at $10 |
Foreign Currency Transaction Fee | 0% |
No Foreign Transaction Fee | |
Annual Fee | $450 |
Minimum Interest Charge | $1 |
No Interest Grace Period for Late Payment | 25 days |
Returned Payment Fee | Up to $35 |
Late Fee Amount | Up to $35 |
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