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Visa® ClassicThe benefits you want, the service you expect.You've worked hard to get where you are today – you need a credit card that works as hard as you do. With CB&T, you’ll enjoy a card you can rely on, backed by our own high level of personal service wherever you go, at home or around the world. You’ll also enjoy a competitive variable rate, no annual fee and a program that rewards your loyalty with a choice of cash back or rewards points. Balance TransferConsolidate your credit card debt(s) by transferring existing balances from other higher-interest credit cards to your new low variable rate Visa Classic Card. Easypay Automatic PaymentsAvoid late fees and eliminate the hassle of writing a check each month with a free automatic payment plan. Make the minimum payment, set your own monthly payment or pay the monthly ending balance in full — it’s your choice. Global AcceptanceEnjoy the convenience of using your Visa Classic Credit Card at locations throughout the U.S. and around the world. Additional BenefitsOther outstanding benefits include auto rental damage waiver protection, emergency card replacement and cash disbursement, travel accident insurance, emergency assistance services, and Visa’s Zero Liability program. Rewards PlansThe Visa Classic Card from California Bank & Trust provides the freedom to choose the rewards plan that you want. Just pick the plan that fits the way you want to live (only one plan per account at any one time). AmaZing™ Rewards. Earn one rewards point for every dollar you spend, redeemable for travel, gift cards, merchandise and rental cars, just to name a few. You can redeem points by phone or online, anytime of the day or night, 365 days a year. View the AmaZing Rewards awaiting you with the CB&T Visa Classic Credit Card. Cash Back Savings. Earn a 1% rebate credited directly to your CB&T savings account for every dollar in qualified purchases you charge with your card. Learn more... Apply Today...If you are an existing DirectNET Online Banking customer, apply online by logging-in to your online banking account. To locate your nearest branch, call (800) 355-0512 or visit our Locations page. View and Print the Variable Rate Credit Card Agreement & Disclosure
* THIS IS A VARIABLE RATE PRODUCT: The index ("Index") used is the Wall Street Journal Prime Rate ("Prime Rate"). The interest rate applied to purchases is the Prime Rate plus a margin of 9% for Visa Classic and 5% for Visa Platinum. The interest rate applied for cash advances, quasi cash transactions and balance transfers is the Prime Rate plus a margin of 15.99%. The interest rate payable on the card will change effective with changes in the Index. The following information on interest rates, interest charges and fees is accurate as of the effective date of this Agreement and may have changed after that date. To determine what may have changed, or for current rate information call us at 1-866-749-7460. 
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Consumer
