Most reward credit cards either pay you a cash back percentage of each purchase or give you points you can redeem towards different prizes. The California Bank and Trust Visa Classic Credit Card lets you pick the system in which you want to participate in.
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California Bank and Trust Visa Classic Credit Card Lets You Decide
With the California Bank and Trust Visa Classic Credit Card, you choose to get 1% cash back on every purchase or to accrue points with the AmaZing Rewards system. With cash back, the money is deposited into a California Bank and Trust account as soon as you have $50 in rewards built up.
If you choose the AmaZing Rewards system, you’ll earn a point for every dollar you spend. You can then redeem those points for merchandise, special events, like white water rafting, gift cards, or even travel. If you purchase airfare, cruises, or hotel stays, you’ll not be restricted by blackout dates or extra fees. Rewards start as low as 2,000 points.
Which is better? According to Forbes Magazine, cash is usually a better reward from a credit card. They have found that reward merchandise is often worth less than the cash value they would have received off the same purchases.
California Bank and Trust Visa Classic Credit Card Information
The California Bank and Trust Visa Classic is accepted across the entire global Visa network. You can set up automatic payments so that you are never late. With this credit card, you’ll have no liability for purchases made with a lost or stolen card. You’ll also be eligible for up to $250,000 in accident travel insurance when you book with the California Bank and Trust Visa Classic.
The interest rate on this Visa is variable at prime + 9%. The card claims to have no annual fee. However, if you use either of the rewards programs, they each have a $25 annual fee.
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