California Bank and Trust MasterCard

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California Bank and Trust MasterCardThe California Bank and Trust MasterCard was a fixed rate credit card. California Bank and Trust no longer offers this credit card to its clients, though they still support previously existing accounts.

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California Bank and Trust MasterCard Information

The California Bank and Trust MasterCard had a fixed rate of 12% for both purchases and cash advances. Cardholders were charged an $18 annual fee.

As of May 6, 2010, California Bank and Trust stopped offering any fixed rate credit cards, including the Visa Classic fixed rate and MasterCard. Anyone who had an existing MasterCard account before this date was allowed to keep the account with no changes to its structure.

California Bank and Trust MasterCard Replacements

California Bank and Trust does offer three variable rate credit cards instead, the Visa Classic, Visa Platinum, and Visa Signature.

The Visa Classic and Visa Platinum are variable rate reward credit cards which allow the cardholder to choose between a cash back reward system or the AmaZing Reward Program. The cash back program puts 1% of the total purchases into a California Bank and Trust account as soon as at least $50 has accrued.

With the AmaZing Reward Program, you earn a point with every dollar. The points can then be redeemed for a variety of prizes, including flights, starting as low as 2,000 points. Which is better, the cash or the points? According to Forbes, cash is usually a better bet as many people won’t use the rewards but everyone will take the cash.

Both the Visa Classic and Platinum from California Bank and Trust have no annual fee, though the reward programs both have a $25 annual fee, so you’ll pay either way you go. The APR for the Classic is prime + 9% while the Platinum charges prime + 4%.

The Visa Signature card automatically enrolls you in the AmaZing Rewards program, crediting you 5,000 bonus points every year you make at least ten purchases on the card. You’ll also have access to premier services like concierge service. The Signature Visa charges 4% plus the prime rate.

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