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Three AmaZing Personal Visa® Cards*

Turn the Things You Need into ANYTHING YOU CAN DREAM.

Everyday spending could turn into unlimited benefits with one of our AmaZing credit cards.*

At California Bank & Trust (CB&T), you can choose the right credit card to meet your needs. Our personal Visa® credit cards are designed to give you purchasing convenience, security, and flexibility. Regardless of which card you choose, you'll benefit from no annual fee, no penalty rate APR, customer support at your local branch, and access to a 24/7 U.S.-based call center, as well as special introductory offers.

Select a card that pays you cash back, provides flexible rewards points, or offers a great low rate. Each card delivers plenty of perks, so review the table below to compare rewards, rates, and benefits. When you’re ready to apply, simply stop by your local CB&T branch to get started!

Credit Card
Details
Additional Information

AmaZing Rate Visa Credit Card

AmaZing Rate®
Visa Credit Card

APR

9.99% – 15.99% Variable APR*

Rewards

None

Annual Fees

None

Special Offers

$50 bonus if you spend $2,000 in first 3 months1

0% introductory APR on purchases and balance transfers for 6 months, 9.99% - 15.99% variable APR after that2

Features and Benefits

CBT Mobile Banking

CBT Mobile Card Fraud Alert Service

Apple Pay™

AmaZing Deals®

Chip Card Technology

AmaZing Rewards Visa Credit Card

AmaZing Rewards®
Visa Credit Card

View program details

APR

11.49% - 18.49% Variable APR*

Rewards

1 point for every dollar spent – no cap3

Annual Rewards Bonus4

Annual Fees

None

Special Offers

Double points for the first 90 Days3

0% Introductory APR on purchases and balance transfers for 6 months, 11.49% - 18.49% variable APR after that2

Features and Benefits

Visa Signature®

CBT Mobile Banking

CBT Mobile Card Fraud Alert Service

Apple Pay™

AmaZing Deals®

Chip Card Technology

AmaZing Cash Visa Credit Card

AmaZing Cash®
Visa Credit Card

View program details

APR

11.49% - 18.49% Variable APR*

Rewards

1 % cash back on purchases – no cap3

Annual Rewards Bonus4

Annual Fees

None

Special Offers

Double cash back for the first 90 Days3

0% Introductory APR on purchases and balance transfers for 6 months, 11.49% - 18.49% variable APR after that2

Features and Benefits

Visa Signature®

CBT Mobile Banking

CBT Mobile Card Fraud Alert Service

Apple Pay™

AmaZing Deals®

Chip Card Technology

 

Many AmaZing Benefits

Every AmaZing Card also includes perks, such as:

  • No annual fee or rewards fee
  • No penalty APR
  • Local and 24/7 U.S.-based customer service
  • Visa® services and benefits5
    • Zero Liability
    • Purchase Alerts
    • Concierge Service
    • Auto Rental Collision Damage Waiver

Apply Today

Connect with a California Bank & Trust professional banker to apply for the card. To find a location near you, click here or call (800) 355-0507.

DirectNET Online Banking customers can apply online. Simply log in to your account and select “Apply for a Credit Card” from the "Services" tab.

View and Print the Consumer Credit Card Agreement and Disclosure Statement

Click here for information about our Legacy Variable Rate Cards.

Click here for information about our Legacy Fixed Rate Cards.


* Credit cards are subject to credit approval. Certain terms, conditions and restrictions apply. The APR is variable and based on The Wall Street Journal Prime Rate, plus a margin based on credit worthiness. (Prime rate is currently 3.50% as of 06/01/2016). Offers available for new credit cards only. All offers are subject to change at any time, may not be available with all card types.

1. Bonus offer – Earn $50 cash rewards bonus when you spend $2,000 in the first 90 days of account opening. Transactional items such as cash advances, balance transfers, returned merchandise, etc., are not eligible. One bonus payment allowed per account or per card. Cash Bonus payment of $50 will be credited within 4 to 6 weeks from the end of the 90-day promotion.

2. 0.00% Introductory APR on purchases for the first six months, after that, the variable APR will range from 9.99% – 18.49%. Introductory APR does not apply to cash advances. Purchases made during the first six months of account opening will not be charged any interest. Minimum balance payments are still required each month. 0.00% Introductory APR on balance transfers for the first six months, after that, the variable APR will range from 9.99% – 18.49%. 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.

3. AmaZing Rewards® Points or AmaZing Cash® Back – Cardholder earns 1 rewards point or 1% cash back for every dollar spent on eligible net purchases only. Rewards Points or Cash Back are not earned on transactional items such as cash advances, balance transfers, returned merchandise, etc. Double AmaZing Rewards Points or Double Cash Back for first 90 days – Earn double rewards points or cash back for every dollar spent on eligible net purchases during the first 90 days of account opening. At the end of the 90 days, you will earn 1 point or 1% cash back for every dollar spent on eligible net purchases. Redemption for Rewards Points – Points may be redeemed against any purchase. Rewards Points: Must have at least 2,500 earned points to redeem, and purchases must be redeemed within 90 days of purchase date. Cash Back: Must have at least $25 earned cash back in order to redeem. Account must be in good standing. See AmaZing Rewards Program Terms and Conditions and AmaZing Cash Back Program Consumer Terms and Conditions for full details.

4. Annual Rewards Bonus Offer available on AmaZing Rewards and Amazing Cash cards only. A cardholder may earn an annual rewards/cash bonus ranging from 0% – 25% of the total rewards/cash back they have earned on non-promotional offers within the calendar year. This bonus is not 0 - 25% of annual spend on the card; but rather it is 0% - 25% of the total rewards/cash that the cardholder has earned throughout the year. This annual bonus is in addition to the 1% rewards/cash back that a cardholder earns on every purchase. The percentage amount of the annual bonus is determined by the tier the cardholder's annual spend falls into. 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%. For example, with an annual spend of $12,500, you would earn 12,500 points/$125 (1% rewards) plus an annual bonus of 1,250 points/$12.50 (10% under Tier 3). The annual bonus will be credited to your rewards points balance/credited to your cash back account within 6 weeks of the calendar year end. Transactional items such as cash advances, balance transfers, returned merchandise, etc., are not eligible.

Tier If You Spend You Earn 1% Cash Back
or 1 Point for Every $
Depending on the Annual Bonus Spending Tiers You May Earn an
Additional Annual Bonus
Total Earnings*
Cash Back Points Cash Back Points Cash Back Points
1 $4,500 $45.00 4,500 $0 - $4,999 = 0% $0 0 $45.00 4,500
2 $7,500 $75.00 7,500 $5,000 - $9,999 = 5% $3.75 375 $78.75 7,875
3 $12,500 $125.00 12,500 $10,000 - $14,999 = 10% $12.50 1,250 $137.50 13,750
4 $17,500 $175.00 17,500 $15,000 - $19,999 = 15% $26.25 2,625 $201.25 20,125
5 $22,500 $225.00 22,500 $20,000 - $24,999 = 20% $45.00 4,500 $270.00 27,000
6 $40,000 $400.00 40,000 $25,000 or more = 25% $100.00 10,000 $500.00 50,000

5. Must be enrolled in Online Banking to enroll in Purchase Alerts. PIN-based debit card transactions are not eligible to receive alerts. Messages and data charges from your wireless provider may apply. Cardholder is not responsible for fraudulent charges made with their card or account information as long as they promptly notify us of unauthorized card use. Certain terms, conditions, limitations, and exclusions apply. Refer to your Visa Guide to Benefits Package and card agreement for further details.

Trademarks used are the property of their registered owner, and California Bank & Trust is neither affiliated with nor endorses these companies or their products/services. Apple, the Apple logo, and Apple Pay™ are trademarks of Apple Inc., registered in the U.S. and other countries.