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California Bank & Trust Reserve Visa® Card
California Bank & Trust Reserve Visa® Card
- 19.49% to 29.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.49% to 29.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 28.49% to 29.49% variable based on the Prime Rate Cash Advance APR
At a Glance
The California Bank & Trust Reserve Visa Card is a luxury travel rewards card that also feels at home with everyday life. The card benefits from an impressive array of travel perks, earns a remarkable amount of points on every purchase, and enjoys six months interest-free on balance transfers.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 3X points or 3% cash back on travel and dining
- 2X points or 2% cash back on all other purchases
- $250 annual travel credit
- No foreign transaction fees
- Regular Purchase APR: 19.49% to 29.49% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 6 months from account opening date
- Balance Transfer APR: 19.49% to 29.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 28.49% to 29.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $450
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $35
- You plan to use your card every day – but especially on travel and dining
- You want lounge access when you travel, but don’t feel the need to pay for unlimited access
- You want 0% intro APR on balance transfers and a great low rate after that
- You have an existing CB&T bank account into which you want to divert cash back rewards
California Bank & Trust Elite Visa® Card
California Bank & Trust Elite Visa® Card
- 19.49% to 27.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.49% to 29.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 28.49% to 29.49% variable based on the Prime Rate Cash Advance APR
At a Glance
The California Bank & Trust Elite Visa® Card offers considerable value to cardholders but struggles to justify its $195 annual fee. The card earns a competitive 3X points on purchases, but other cards offer similar perks for a lower yearly cost.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 3X points on travel and dining and 1.5X points on all other purchases
- $100 annual travel credit
- 30,000 points or $300 cash back after spending $5,000 on purchases in the first 90 days
- 24/7 Visa Concierge access
- Regular Purchase APR: 19.49% to 27.49% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 6 months from account opening date
- Balance Transfer APR: 19.49% to 29.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 28.49% to 29.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $195
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $35
- Minimum Deposit Required: N.A
- You plan to use your card frequently on travel and dining
- You have an existing balance you either want to pay down or enjoy a lower interest rate on for six months
- You don’t want to pay a foreign transaction fee
California Bank & Trust Premier Visa® Card
California Bank & Trust Premier Visa® Card
- 19.49% to 27.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.49% to 29.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 28.49% to 29.49% variable based on the Prime Rate Cash Advance APR
At a Glance
The California Bank & Trust Premier Visa® Card is a premium travel rewards card that offers no annual fee for the first year and an enticing introductory bonus. The card earns solid rewards points on every purchase and benefits from no foreign transaction fees and Visa Signature perks worldwide.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee for the first year
- 2.5X points or 2.5% cash back on travel
- 1.5X points or 1.5% cash back on all other purchases
- No foreign transaction fees
- Regular Purchase APR: 19.49% to 27.49% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 6 months from account opening date
- Balance Transfer APR: 19.49% to 29.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 28.49% to 29.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $0 for the first year; $95 after that
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $35
- You’re an existing Zions Bancorp customer and are planning on moving to California
- You spend heavily on travel
- You have a current balance you need to pay down at a lower interest rate
- You don’t want to pay a foreign transaction fee
California Bank & Trust AmaZing Cash for Business Visa® Card
California Bank & Trust AmaZing Cash for Business Visa® Card
- 19.50% variable based on the Prime Rate Regular Purchase APR
- 19.50% variable based on the Prime Rate Balance Transfer APR
- 24.49% variable based on the Prime Rate Cash Advance APR
- 0% for the first 6 months Intro Purchase APR
At a Glance
The California Bank & Trust AmaZing Cash for Business Visa® is a cash back business card that rewards companies with impressive cash back in critical categories. The card also benefits from a decent interest-free introductory period and no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- 0% introductory APR on purchases and balance transfers for the first 6 months
- 3% cash back on office supplies and telecom services
- 2% back on airfare and car rentals and 1% back on all other purchases
- Intro Purchase APR: 0% for the first 6 months
- Regular Purchase APR: 19.50% variable based on the Prime Rate
- Balance Transfer APR: 19.50% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 24.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: $10
- Return Payment Penalty Fee: $25
- Over Limit Penalty Fee: $10
- You often use their credit card to pay phone bills, internet service providers, or other similar utilities
- You want to earn rewards when booking flights or rental cars
- You plan to use their card for at least $5,000 in purchases in the first 120 days
- You prefer not to pay an annual fee
California Bank & Trust AmaZing Rewards for Business Visa® Card
California Bank & Trust AmaZing Rewards for Business Visa® Card
- 19.50% variable based on the Prime Rate Regular Purchase APR
- 19.50% variable based on the Prime Rate Balance Transfer APR
- 24.49% variable based on the Prime Rate Cash Advance APR
- 0% for the first 6 months Intro Purchase APR
At a Glance
The California Bank & Trust AmaZing Rewards for Business Visa® is a reliable business rewards card that earns impressive points in the categories that matter most to companies. The card also features a decent 0% introductory APR period and no annual fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- 0% introductory APR on purchases for the first 6 months
- Earn 3X points on office supplies, plus phone and computer network services
- Earn 2X points on airlines and car rentals and 1X points on all other purchases
- Intro Purchase APR: 0% for the first 6 months
- Regular Purchase APR: 19.50% variable based on the Prime Rate
- Balance Transfer APR: 19.50% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 24.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: $10
- Return Payment Penalty Fee: $25
- Over Limit Penalty Fee: $10
- You would use your credit card to pay utilities, such as the internet, cable, or phone bills
- You want to earn points when booking critical parts of business trips
- You plan to use your card extensively within the first four months, given the 0% intro APR on purchases and 50,000 bonus points offer
- You don’t want to pay an annual fee
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FAQs About California Bank & Trust
Here are answers to commonly asked questions about CB&T:
- CB&T is part of the Zions Bancorp family. That group includes other regional banks, like Amegy Bank, National Bank of Arizona, Nevada State Bank, and Zions Bank in Utah.
- The number for customer service inquiries is (800) 400-6080.
- The routing number (ABA number) for CB&T depends on your location in the State of California:
- Northern California: 121002042
- Southern California: 122003396
- San Diego Area: 122232109
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