
California Bank and Trust Reserve Visa® Card
in Personal Credit Cards from California Bank and Trust
UnaffiliatedCalifornia Bank and Trust Reserve Visa® Card
in Personal Credit Cards from California Bank and Trust
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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
California Bank and Trust Reserve Visa® Card 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. 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.
- Signup bonus. Offers a signup bonus of $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.
The Good | The Bad |
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Is there a California Bank and Trust Reserve Visa® Card cash back or rewards program?
California Bank and Trust Reserve Visa® Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With California Bank and Trust Reserve Visa® Card you receive 2% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $20 back in cash.
Minimum rewards rate | 2x |
Max rewards rate | N/A |
Annual rewards limit | N/A |
Signup Bonus ($) | $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, California Bank and Trust Reserve Visa® Card 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?
California Bank and Trust Reserve Visa® Card doesn't offer a cash loyalty bonus.What are the California Bank and Trust Reserve Visa® Card benefits?
California Bank and Trust Reserve Visa® Card 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. California Bank and Trust Reserve Visa® Card has lower than average purchase 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 introductory APR offer on balance transfers?
Yes, California Bank and Trust Reserve Visa® Card offers an introductory 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 introductory APR offer on new purchases?
California Bank and Trust Reserve Visa® Card does not offer an introductory rate on new purchases.What are the fees for California Bank and Trust Reserve Visa® Card?
The following fees apply to California Bank and Trust Reserve Visa® Card:
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?
California Bank and Trust Reserve Visa® Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.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 - Visit Site
About California Bank and Trust Reserve Visa® Card

Availability
- 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) | Starting at 2 |
Restaurants (Points) | Starting at 3 |
Every Purchase (Points) | Standard Earn Rate: 2% Cash or 2x points on everything else. |
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