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AmaZing Visa Personal Credit CardsMake Every Day More Rewarding – AmaZing Visa Personal Credit Cards Welcome to a comprehensive suite of card products versatile enough to meet your banking needs − featuring your choice of rewards programs and an affordable APR on purchases. Combine your choice of rewards with the AmaZing card and you have a flexible financial tool with everyday value. Rewards your way - Choose the card that best fits your lifestyle AmaZing Rewards® Visa With our AmaZing Rewards points program you can earn 1 point for every dollar you spend1. Redeem your rewards online 24/7, selecting reward options that you really value. Click here to learn more about the rewards options available through our AmaZing Rewards program. AmaZing Cash™ Visa Save on the everyday things you really need when you earn 1% cash back on most purchases with AmaZing Cash Back1. And there’s no need to request your cash−it’s automatically deposited to your checking or savings account, whenever your accrued rebate reaches $50. If you don’t already have a California Bank & Trust (CB&T) deposit account, click here to find the account that’s right for you. Every CB&T AmaZing Rewards and AmaZing Cash Visa card comes with built-in rewards, built-in benefits and NO annual fee. Whichever card you select, you’ll receive these AmaZing benefits from CB&T:
Additional benefits provided by Visa
AmaZing Rewards® Visa Signature AmaZing Rewards and AmaZing Cash cardholders may be eligible for Signature status with which includes exclusive benefits, service and privleges8. Click here to learn more about Visa Signature benefits. Stay Connected For added convenience, DirectNETSM Online Banking customers also receive exclusive access to our CBT Mobile Banking app. Monitor your accounts and view your transactions from wherever you are. Click here to learn more or enroll in DirectNET Online Banking and CBT Mobile Banking9. Apply Today DirectNET Online Banking customers can apply online. Simply log in to your account and select “Apply for a Credit Card.” View and Print the Consumer Credit Card Agreement and Disclosure Statement
*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. 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 1/01/2013) 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. 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 on 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. 8. Certain terms, conditions, limitations, and exclusions apply. Refer to your Visa Guide to Benefits Package and card agreement for further details. 9. Message and data rates from your wireless provider may apply.
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