California Bank & Trust Elite Visa® Card
- Annual fee
- $195
- Recommended credit
- Excellent / Good
- Card network
- Visa
- Regular purchase APR
- 19.49% to 27.49% variable based on creditworthiness and the Prime Rate
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.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- 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
Who this card may suit
- 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
Rates, fees and terms
| Annual Fee | $195 |
|---|---|
| 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 |
| Late Payment Penalty Fee | Up to $35 |
| Return Payment Penalty Fee | Up to $35 |
| Minimum Deposit Required | N.A |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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California Bank & Trust Elite Visa® Card
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