California Bank and Trust Visa Signature Credit Card has a lower than normal annual percentage rate for a rewards credit card. Membership is “exclusive” which means don’t expect to be eligible for this card unless you have excellent credit.
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California Bank and Trust Visa Signature Perks
Being a Visa Signature cardholder from California Bank and Trust enrolls you in their AmaZing rewards system. You’ll receive one point per dollar spent on the credit card and 5,000 bonus points every year you make at least ten purchases.
Redeem the points for merchandise, gift cards, and even travel. You can get airfare with no blackout dates common on airline credit cards. There’s also no advanced purchase requirement or hidden fees.
The Signature Visa also allows the cardholder access to the concierge service and to other privileges. Want a great seat at a concert event you know will sell out quickly? Signature Visa can help you get seats no one else has access to. The Signature Visa can even help you get a table at popular wait-listed restaurants.
Other perks include unlimited companion airline tickets when you book with the Signature Visa from California Bank and Trust, travel accident insurance and the warranty manager service. This service extends the manufacturer’s warranty on items bought with the Signature Visa.
California Bank and Trust Visa Signature Low Interest Rates
The California Bank and Trust Visa Signature card carries a low interest rate. It is a variable prime + 4.00%. Right now that equals 7.25% APR. Suze Orman recommends a low interest, variable rate card to take advantage of the present low federal interest rates.
This rewards credit card does charge a $75 fee, so you would have to charge over $7500 on the card a year to earn enough rewards to break even on the card, though this doesn’t take into account the value of benefits like the companion airline tickets or concierge services.
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