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  California Bank and Trust Reserve Visa® Card

California Bank and Trust Reserve Visa® Card

in Personal Credit Cards from California Bank and Trust

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California Bank and Trust Reserve Visa® Card

Unaffiliated

in Personal Credit Cards from California Bank and Trust

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Highlights
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.

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 $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.
California Bank and Trust Reserve Visa® Card Pros & Cons
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.
California Bank and Trust Reserve Visa® Card FAQ

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

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.

California Bank and Trust Reserve Visa® 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 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:

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 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.

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 Reserve Visa® Card

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View all personal credit cards offered by California Bank and Trust

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

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.
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 5%
Minimum Cash Advance Fee ($) Starting at $10
Annual Fee $450
Minimum Interest Charge $1
Returned Payment Fee Up to $35
Late Fee Amount Up to $35
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 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Concierge
  • Fraud Liability
  • Identity Theft Protection
  • Trip Cancellation Insurance
Annual Airline Credit Up to $250
No Blackout Dates
Rewards Rates
  • Every Purchase
  • Travel
  • Restaurants
Signup Bonus (points) 50,000
Signup Bonus Starting at $500
Balance Computation “Average daily balance (including new purchases)”
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 14.24% - 24.24%
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 Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Cashback
  • Travel
  • Bonus Offers
Card Network Visa

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