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

$500 or 50,000 points when you spend $5,000 in the first 90 days. Lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 6 months. Multiple credit card perks. Access to a concierge. Identity Theft Protection. Trip cancellation insurance. No foreign transaction fee. Cardholders can earn rewards on purchases everywhere California Bank and Trust Reserve Visa® Card is accepted. California Bank and Trust Reserve Visa® Card reports to multiple credit bureaus.

Requires good to excellent credit. Charges an annual fee of $450 Charges a 3% balance transfer fee.

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.

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California Bank and Trust Reserve Visa® Card Rewards

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

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.

What are the fees for California Bank and Trust Reserve Visa® Card?

The following fees apply to California Bank and Trust Reserve Visa® Card:

California Bank and Trust Reserve Visa® Card Fees

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 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.