The California Bank and Trust Visa Platinum Credit Card is a reward credit card very similar to the Classic Visa from California Bank and Trust with a few added benefits. The main feature of this particular reward card is that the cardholder decides whether to receive a cash back reward or points that can be redeemed for prizes.
Put the credit card chaser to work finding online credit cards!
California Bank and Trust Visa Platinum Lets You Pick Your Rewards
Reward cards typically follow one of two paths: either you receive a percentage of your total purchases back in cash or you accrue points with every purchase. Those points can then be redeemed for merchandise, airfare, or other items.
California Bank and Trust allows its Visa Platinum cardholders to decide which of the two systems they would prefer. If you choose the cash back option, California Bank and Trust will put 1% of your purchase total into an account as soon as you have $50 worth of rewards. You’ll receive rewards in $25 increments and must have a California Bank and Trust account to participate.
The AmaZing Rewards Program credits you with one point for every dollar you spend on the Visa Platinum. The points can then be turned in for a wide variety of items, from airfare and hotel stays to sports events. Prizes start as low as 2,000 points.
California Bank and Trust Visa Platinum Account Features
With the Platinum Visa from California Bank and Trust, you’ll have access to the concierge service, as well as the warranty manager. This service extends the manufacturer’s warranty for items bought with your Platinum Visa. Neither of these services is available on the Visa Classic. Platinum cardholders are also eligible for up to a million dollars in travel accident insurance.
The Platinum Visa also has a lower interest rate than the Visa Classic at prime plus 5%. The card itself has no annual fee. However, both reward plans have a $25 annual fee. The Wall Street Journal’s Market Watch warns consumers to determine if their rewards will be worth more than the annual fee before signing up for a credit card.
Compare credit cards by clicking on the fast and easy credit chaser box!
- California Bank and Trust Visa Classic Credit Card
- California Bank and Trust MasterCard
- California Bank and Trust Visa Signature Credit Card
- California Bank and Trust Visa Business Credit Card
- Hills Bank and Trust Company Visa Classic Credit Card
- California Coast Credit Union Visa Platinum Choice Rewards Credit Card
- California Coast Credit Union Visa Classic Credit Card