Bank Card Wizard

Member FDIC
Credit cards subject to credit approval. Certain terms, conditions and restrictions apply. See California Bank & Trust Consumer Credit Card Agreement and Disclosures for more details. All offers subject to change at any time.

1. Customers earn either 1% cash back or one reward point for every dollar spent on net purchases only. Cash back/rewards points are not earned on cash advances, balance transfers, fees, quasi-cash such as travelers checks and money orders, accumulated interest, returned merchandise, ATM transactions, unauthorized charges, fraud charges, foreign cash transactions, casino gaming and betting, and lottery tickets. Participation in AmaZing Cash program requires an open and active California Bank & Trust deposit account in good standing and in the same name as the credit cardholder. Deposit will be credited in increments of $50.00.

Member FDIC
*Credit cards subject to credit approval. Certain terms, conditions and limitations apply. See Consumer Credit Card Agreement and Disclosure for more details or see Banker for details.
Offer subject to change at any time. These are variable rate products. The APR is based on the Prime Rate as stated in the Wall Street Journal (currently 3.25% as of 10/1/2012) plus a margin. The interest rate payable on the card will change effective with changes in the Index.

1. Customers earn reward points on net purchases only. Reward points are not earned on cash advances, balance transfers, fees, quasi-cash such as travelers' checks and money orders, accumulated interest, returned merchandise, ATM transactions, unauthorized charges, fraud charges, foreign cash transactions, casino gaming and betting, and lottery tickets.
2. Up to 25% annual cash back bonus offer available on AmaZing Cash card only or 25% annual rewards points available on AmaZing Rewards card only. Cardholder may earn up to 25% bonus on $25,000+ annual card spend on net purchases. Bonus is based on your total annual card spend, total annual cash back or rewards points earned, and annual spending tier. Annual Spending Tiers: Tier 1: $0 - $4,999 = 0%, Tier 2: $5,000 - $9,999 = 5%, Tier 3: $10,000 - $14,999 = 10%, Tier 4: $15,000 - $19,999 = 15%, Tier 5: $20,000 - $24,999 = 20%, Tier 6: $25,000+ = 25%. Sample annual cash back reward is: Annual spend of $12,500 earns 1% cash back or $125. Tier 3 Annual Bonus is 10% of total cash back earned for the year, or an additional $12.50 ($125 x 10%). Sample annual rewards points is: Annual spend of $12,500 earns 1 point for every dollar spent or 12,500 points. Tier 3 Annual Bonus is 10% of total points for the year or an additional 1,250 points (12,500 x 10%). Annual Bonus will be awarded within six weeks of year-end to your deposit account. Cash back or rewards points are not earned on cash advances, balance transfers, fees, quasi-cash such as travelers' checks and money orders, accumulated interest, returned merchandise, ATM transactions, unauthorized charges, fraud charges, foreign cash transactions, casino gaming and betting, and lottery tickets. This offer only available to new consumer credit card accounts.
3. 0.00% Introductory APR for the first six months. After that, the APR will range from 11.24% to 18.24% based on card type. This is a variable rate product: The APR is based on the Prime Rate as stated in the Wall Street Journal plus a margin. The interest rate payable on the card will change effective with changes in the Index. Prime Rate is currently 3.25% as of 10/01/2012. Introductory APR does not apply to cash advances. The interest charged in cash advances is a variable APR of 19.24%. Purchases made during the first six months of account opening will not be charged any interest. Minimum balance payments are still required each month. This offer only available to new consumer credit cards and not available with all card types.
4. 0.00% Introductory APR Balance Transfer for the first six months; 11.24% -18.24% variable APR after that based on card type. The APR is based on the Prime Rate as stated in the Wall Street Journal plus a margin. The interest rate payable on the card will change effective with changes in the Index. Prime Rate is currently 3.25% as of 10/01/2012. For new accounts, balance transfer requests must be received within 60 days of account opening. A 3% balance transfer fee for each transfer ($10 minimum) will apply. Transfers made during the introductory period will not be charged any interest. Minimum balance payments are still required each month. This offer is only available to new consumer credit cards and not available with all card types. Offer limited to new card applications submitted by June 1, 2013.
5. Must be enrolled in online banking to enroll in Purchase Alerts. Transaction notifications are sent to your email account and/or to your mobile device by SMS text. Message and data rates from your wireless provider may apply.

Member FDIC
*Credit cards subject to credit approval. Certain terms, conditions and limitations apply. See Consumer Credit Card Agreement and Disclosure for more details or see Banker for details.
Offer subject to change at any time. These are variable rate products. The APR is based on the Prime Rate as stated in the Wall Street Journal (currently 3.25% as of 10/1/2012) plus a margin. The interest rate payable on the card will change effective with changes in the Index.

1. Customers earn either 1% cash back or one reward point for every dollar spent on net purchases only. Cash back/rewards points are not earned on cash advances, balance transfers, fees, quasi-cash such as travelers checks and money orders, accumulated interest, returned merchandise, ATM transactions, unauthorized charges, fraud charges, foreign cash transactions, casino gaming and betting, and lottery tickets. Participation in AmaZing Cash program requires an open and active California Bank & Trust deposit account in good standing and in the same name as the credit cardholder. Deposit will be credited in increments of $50.00.
2. Up to 25% annual cash back bonus offer available on AmaZing Cash card only or 25% annual rewards points available on AmaZing Rewards card only. Cardholder may earn up to 25% bonus on $25,000+ annual card spend on net purchases. Bonus is based on your total annual card spend, total annual cash back or rewards points earned, and annual spending tier. Annual Spending Tiers: Tier 1: $0 - $4,999 = 0%, Tier 2: $5,000 - $9,999 = 5%, Tier 3: $10,000 - $14,999 = 10%, Tier 4: $15,000 - $19,999 = 15%, Tier 5: $20,000 - $24,999 = 20%, Tier 6: $25,000+ = 25%. Sample annual cash back reward is: Annual spend of $12,500 earns 1% cash back or $125. Tier 3 Annual Bonus is 10% of total cash back earned for the year, or an additional $12.50 ($125 x 10%). Sample annual rewards points is: Annual spend of $12,500 earns 1 point for every dollar spent or 12,500 points. Tier 3 Annual Bonus is 10% of total points for the year or an additional 1,250 points (12,500 x 10%). Annual Bonus will be awarded within six weeks of year-end to your deposit account. Cash back or rewards points are not earned on cash advances, balance transfers, fees, quasi-cash such as travelers' checks and money orders, accumulated interest, returned merchandise, ATM transactions, unauthorized charges, fraud charges, foreign cash transactions, casino gaming and betting, and lottery tickets. This offer only available to new consumer credit card accounts.
3. 0.00% Introductory APR for the first six months. After that, the APR will range from 11.24% to 18.24% based on card type. This is a variable rate product: The APR is based on the Prime Rate as stated in the Wall Street Journal plus a margin. The interest rate payable on the card will change effective with changes in the Index. Prime Rate is currently 3.25% as of 10/01/2012. Introductory APR does not apply to cash advances. The interest charged in cash advances is a variable APR of 19.24%. Purchases made during the first six months of account opening will not be charged any interest. Minimum balance payments are still required each month. This offer only available to new consumer credit cards and not available with all card types.
4. 0.00% Introductory APR Balance Transfer for the first six months; 11.24% -18.24% variable APR after that based on card type. The APR is based on the Prime Rate as stated in the Wall Street Journal plus a margin. The interest rate payable on the card will change effective with changes in the Index. Prime Rate is currently 3.25% as of 10/01/2012. For new accounts, balance transfer requests must be received within 60 days of account opening. A 3% balance transfer fee for each transfer ($10 minimum) will apply. Transfers made during the introductory period will not be charged any interest. Minimum balance payments are still required each month. This offer is only available to new consumer credit cards and not available with all card types. Offer limited to new card applications submitted by June 1, 2013.
5. Must be enrolled in online banking to enroll in Purchase Alerts. Transaction notifications are sent to your email account and/or to your mobile device by SMS text. Message and data rates from your wireless provider may apply.

Member FDIC
Credit cards subject to credit approval. Certain terms, conditions and restrictions apply. See California Bank & Trust Consumer Credit Card Agreement and Disclosures for more details. All offers subject to change at any time.

1. Customers earn either 1% cash back or one rewards point for every dollar spent on net purchases only. Cash back or rewards points are not earned on cash advances, balance transfers, fees, quasi-cash such as travelers' checks and money orders, accumulated interest, returned merchandise, ATM transactions, unauthorized charges, fraud charges, foreign cash transactions, casino gaming and betting, and lottery tickets. Participation in AmaZing Cash program requires an open and active California Bank & Trust deposit account in good standing in the same name as the credit cardholder. Deposit will be credited in increments of $50.00.
2. Earn double cash back or double rewards points for the first three months. Cardholder will earn 2% cash back or two rewards points for every dollar spent on net purchases during the first three months of account opening. At the end of the three months, cardholder will earn 1% cash back or one rewards point for every dollar spent on net purchases. Cash back or rewards points are not earned on cash advances, balance transfers, fees, quasi-cash such as travelers' checks and money orders, accumulated interest, returned merchandise, ATM transactions, unauthorized charges, fraud charges, foreign cash transactions, casino gaming and betting, and lottery tickets. This offer only available to new consumer credit card accounts and not available with all card types.
3. Up to 25% annual cash back bonus offer available on AmaZing Cash card only or 25% annual rewards points available on AmaZing Rewards card only. Cardholder may earn up to 25% bonus on $25,000+ annual card spend on net purchases. Bonus is based on your total annual card spend, total annual cash back or rewards points earned, and annual spending tier. Annual Spending Tiers: Tier 1: $0 - $4,999 = 0%, Tier 2: $5,000 - $9,999 = 5%, Tier 3: $10,000 - $14,999 = 10%, Tier 4: $15,000 - $19,999 = 15%, Tier 5: $20,000 - $24,999 = 20%, Tier 6: $25,000+ = 25%. Sample annual cash back reward is: Annual spend of $12,500 earns 1% cash back or $125. Tier 3 Annual Bonus is 10% of total cash back earned for the year, or an additional $12.50 ($125 x 10%). Sample annual rewards points is: Annual spend of $12,500 earns 1 point for every dollar spent or 12,500 points. Tier 3 Annual Bonus is 10% of total points for the year or an additional 1,250 points (12,500 x 10%). Annual Bonus will be awarded within six weeks of year-end to your deposit account. Cash back or rewards points are not earned on cash advances, balance transfers, fees, quasi-cash such as travelers' checks and money orders, accumulated interest, returned merchandise, ATM transactions, unauthorized charges, fraud charges, foreign cash transactions, casino gaming and betting, and lottery tickets. This offer only available to new consumer credit card accounts.
4. 0.00% Introductory APR for the first six months, after that, the APR will range from 11.24% - 18.24% based on card type. This is a variable rate product: The APR is based on the Prime Rate as stated in the Wall Street Journal plus a margin. The interest rate payable on the card will change effective with changes in the Index. Prime Rate is currently 3.25% as of 10/01/2012. Introductory APR does not apply to cash advances. The interest charged in cash advances is a variable APR of 19.24%. Purchases made during the first six months of account opening will not be charged any interest. Minimum balance payments are still required each month. This offer only available to new consumer credit cards and not available with all card types.
5. 0.00% Introductory APR Balance Transfer for the first six months, 11.24% -18.24% variable APR after that based on card type. The APR is based on the Prime Rate as stated in the Wall Street Journal plus a margin. The interest rate payable on the card will change effective with changes in the Index. Prime Rate is currently 3.25% as of 10/01/2012. For new accounts, balance transfer requests must be received within 60 days of account opening. A 3% balance transfer fee for each transfer ($10 minimum) will apply. Transfers made during the introductory period will not be charged any interest. Minimum balance payments are still required each month. This offer is only available to new consumer credit cards and not available with all card types. Offer expires June 1, 2013.
6. Must be enrolled in online banking to enroll in Purchase Alerts. Transaction notifications are sent to your email account and/or to your mobile device by SMS text. Message and data rates from your wireless provider may apply.
7. You won't be held responsible for fraudulent charges made with your card or account information as long as you notify us immediately of any unauthorized use. Does not apply to ATM transactions or PIN transactions. A disputed transaction must be posted to your account before provisional credit may be issued. For specific conditions, restrictions, limitations and other details, please contact us.