Credit Cards

VISA® Classic & MasterCard, VISA® Gold

VISA® Classic & MasterCard

Used wherever VISA credit cards and MasterCards are accepted, California Bank & Trust VISA Classic and MasterCard give you convenience, security and flexibility.

More Convenient Than Cash or Checks: When you use your credit card, you have a record of all your purchases and you can pay for them with just one monthly payment. No need to carry cash wherever you go.

Security When You Travel: You have buying power in an emergency no matter where you are, either by charging your purchase or by obtaining a cash advance. You won't be stranded.

Flexible Payment Schedules: You can repay all of your bills each month or you can make monthly payments. You decide which method best suits your budget.

How It Works: We offer credit lines of up to $10,000. We'll tell you your credit limit when you receive your credit card and on your monthly credit card statement. Your monthly statement for each card will also show any transactions and your new outstanding balance. When you pay the outstanding balance in full by the payment due date, you will not pay interest on the charges added during that billing cycle except that you will pay interest on cash advances from the date the advance is made.

How To Repay Your Loan: You may pay in full each month, but you must pay at least the minimum amount due monthly. The minimum payment due each month is 3% of the balance or $10, whichever is greater. The payment due date is 25 days after the closing date on your bill. A late charge applies if the payment is not received by the tenth day following the payment due date.

Get Emergency Cash in a Hurry: You have buying power in an emergency no matter where you are, either by charging your purchase of by obtaining a cash advance.

Easy Access to Automatic Teller Machines: Use your VISA Classic or MasterCard to obtain cash at any of 120,000 participating ATMs worldwide.

Worldwide Acceptance

VISA Classic and MasterCard are the most widely-accepted credit cards in the world.

VISA® Gold

Now you can lock in a great low credit card rate. Also pay no annual fee for the first year! Introducing the California Bank & Trust VISA® Gold Card. Our 12% APR is likely to be lower than that of any credit card you carry. California Bank & Trust's VISA Gold can save you up to 8% interest over other cards.

Other credit card issuers may offer attractive introductory rates or fixed rates that switch to variable rates after a certain time period -- ours remains fixed.

No Annual Fee First Year, $25 Annually Thereafter: For a credit rate this low, a $25 annual fee is very reasonable...and you won't even pay it the first year.

• Warranty Manager Service Lets You Shop With Confidence: Warranty Manager Service will double the manufacturer's original warranty--up to one full year--on nearly anything you buy with your VISA Gold. In addition, this service will maintain all warranty information on file, simplifying your record keeping and streamlining the claims process.
• Get a Free Additional Card: We'll provide you with a second VISA Gold Card for a family member or authorized user at no extra charge.
• $500,000 Travel Accident Insurance: Whenever you use your card to purchase tickets for travel within the U.S., you'll be covered for up to $500,000 in travel Accident Insurance. That's five times the amount included with many other cards.
• Auto Rental Collision Protection: When you rent from participating car rental companies using your VISA Gold Card, you're automatically protected if you're involved in a collision. (Restrictions may apply.)
• Get Emergency Cash in a Hurry: You have buying power in an emergency no matter where you are, either by charging your purchase or by obtaining a cash advance.
• Easy Access to Automatic Teller Machines: Use your VISA Classic or MasterCard to obtain cash at any of 120,000 participating ATMs worldwide.

Worldwide Acceptance.

VISA Classic and MasterCard are the most widely-accepted credit cards in the world.