California Bank & Trust Credit Card Reviews

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Best Benefits

No annual fee
0% introductory APR on purchases and balance transfers for the first 6 months
3% cash back on office supplies and telecom services
2% back on airfare and car rentals and 1% back on all other purchases

Rates & Fees

Intro Purchase APR: 0% for the first 6 months
Regular Purchase APR: 14.25% variable based on the Prime Rate
Intro Balance Transfer APR: 0% for the first 6 months
Balance Transfer APR: 14.25% variable based on the Prime Rate
Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each balance transfer, whichever is greater
Cash Advance APR: 19.25% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: $10
Return Payment Penalty Fee: $25
Over Limit Penalty Fee: $10

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Best Benefits

No annual fee
0% introductory APR on purchases and balance transfers for the first 6 months
Earn 3X points on office supplies, plus phone and computer network services
Earn 2X points on airlines and car rentals and 1X points on all other purchases

Rates & Fees

Intro Purchase APR: 0% for the first 6 months
Regular Purchase APR: 14.25% variable based on the Prime Rate
Intro Balance Transfer APR: 0% for the first 6 months
Balance Transfer APR: 14.25% variable based on the Prime Rate
Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each balance transfer, whichever is greater
Cash Advance APR: 19.24% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: $10
Return Payment Penalty Fee: $25
Over Limit Penalty Fee: $10

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Best Benefits

No annual fee
0% introductory APR on purchases and balance transfers for 6 months
Enjoy a low fixed rate
Earn $300 when you spend $5,000 in the first 90 days

Rates & Fees

Intro Purchase APR: 0% for 6 months from account opening date
Regular Purchase APR: 10.25% variable based on the Prime Rate
Intro Balance Transfer APR: 0% for 6 months from account opening date
Balance Transfer APR: 10.25% variable based on the Prime Rate
Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each balance transfer, whichever is greater
Cash Advance APR: 19.24% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: $10
Return Payment Penalty Fee: $25
Over Limit Penalty Fee: $10

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Best Benefits

3X points or 3% cash back on travel and dining
2X points or 2% cash back on all other purchases
$250 annual travel credit
No foreign transaction fees

Rates & Fees

Regular Purchase APR: 14.24% to 24.24% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 0% for 6 months from account opening date
Balance Transfer APR: 14.24% to 24.24% 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: 23.24% to 24.24 variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
Annual Fee: $450
Late Payment Penalty Fee: Up to $35
Return Payment Penalty Fee: Up to $35

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Best Benefits

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

Rates & Fees

Regular Purchase APR: 14.24% to 22.24% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 0% for 6 months from account opening date
Balance Transfer APR: 14.24% to 22.24% 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: 23.24% to 24.24% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
Annual Fee: $195
Late Payment Penalty Fee: Up to $35
Return Payment Penalty Fee: Up to $35
Minimum Deposit Required: N.A

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California Bank & Trust Premier Visa® Card

Compare Card

Regular Purchase APR 14.24% to 22.24% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 14.24% to 22.24% variable based on creditworthiness and the Prime Rate
Cash Advance APR 23.24% to 24.24% variable based on the Prime Rate
Annual Fee $0 for the first year; $95 after that
Credit Needed Excellent , Good
Processing Network Visa

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Terms & Conditions

Date Reviewed: June 11, 2020

Best Benefits

No annual fee for the first year
2.5X points or 2.5% cash back on travel
1.5X points or 1.5% cash back on all other purchases
No foreign transaction fees

Rates & Fees

Regular Purchase APR: 14.24% to 22.24% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 0% for 6 months from account opening date
Balance Transfer APR: 14.24% to 22.24% 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: 23.24% to 24.24% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
Annual Fee: $0 for the first year; $95 after that
Late Payment Penalty Fee: Up to $35
Return Payment Penalty Fee: Up to $35

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California Bank & Trust AmaZing Rewards Visa® Card

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Regular Purchase APR 11.24% to 18.24% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 11.24% to 18.24% variable based on creditworthiness and the Prime Rate
Cash Advance APR 19.24% variable based on the Prime Rate
Annual Fee None
Credit Needed Excellent , Good
Intro Purchase APR 0% for for 6 months from account opening date
Processing Network Visa

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Terms & Conditions

Date Reviewed: June 11, 2020

Best Benefits

No annual fee
0% introductory APR on purchases and balance transfers
Unlimited 1x points on all purchases
Access to further rewards through AmaZing Deals

Rates & Fees

Intro Purchase APR: 0% for for 6 months from account opening date
Regular Purchase APR: 11.24% to 18.24% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 0% for for 6 months from account opening date
Balance Transfer APR: 11.24% to 18.24% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each balance transfer, whichever is greater
Cash Advance APR: 19.24% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $10
Return Payment Penalty Fee: Up to $25

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California Bank & Trust AmaZing Cash Visa® Card

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Regular Purchase APR 11.24% to 18.24% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 11.24% to 18.24% variable based on creditworthiness and the Prime Rate
Cash Advance APR 19.24% variable based on the Prime Rate
Annual Fee None
Credit Needed Excellent , Good
Intro Purchase APR 0% for the first 6 months
Processing Network Visa

Read Review Visit Card Site

Terms & Conditions

Date Reviewed: June 11, 2020

Best Benefits

No annual fee
0% introductory APR on purchases and balance transfers
Unlimited 1% cash back on all purchases
Access to further rewards through AmaZing Deals

Rates & Fees

Intro Purchase APR: 0% for the first 6 months
Regular Purchase APR: 11.24% to 18.24% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 0% for the first 6 months
Balance Transfer APR: 11.24% to 18.24% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Either $10 or 3% of the amount of balance transfer, whichever is greater
Cash Advance APR: 19.24% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee: 3% of the U.S dollar amount of each transaction
Late Payment Penalty Fee: Up to $10
Return Payment Penalty Fee: Up to $25

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California Bank & Trust AmaZing Low Rate Visa® Card

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Regular Purchase APR 9.74% to 15.74% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 9.74% to 15.74% variable based on creditworthiness and the Prime Rate
Cash Advance APR 19.24% variable based on the Prime Rate
Annual Fee None
Credit Needed Excellent , Good
Intro Purchase APR 0% for 6 months from account opening date
Processing Network Visa

Read Review Visit Card Site

Terms & Conditions

Date Reviewed: June 11, 2020

Best Benefits

No annual fee
0% introductory APR on purchases and balance transfers
Receive a $50 bonus statement credit after making $2,000 in purchases within the first 90 days
Access to AmaZing Deals coupon app

Rates & Fees

Intro Purchase APR: 0% for 6 months from account opening date
Regular Purchase APR: 9.74% to 15.74% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 0% for 6 months from account opening date
Balance Transfer APR: 9.74% to 15.74% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each balance transfer, whichever is greater
Cash Advance APR: 19.24% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee: 3% of the U.S dollar amount of each transaction
Late Payment Penalty Fee: Up to $10
Return Payment Penalty Fee: Up to $25

Credit Card Deals

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About California Bank & Trust

California Bank & Trust (sometimes stylized CB&T Bank) is a full-service bank and financial institution with its headquarters in San Diego, California. California Bank and Trust is part of the Zions Bancorp Family of Banks, including seven other banks across the Western United States.

The California Banks & Trust name dates to 1998 and the acquisition of three separate banks by Utah-based Zions Bancorp: First Pacific National Bank, Sumitomo Bank of California, and Grossmont Bank.

Today, CB&T offers a full suite of banking products and services for consumers and businesses. These services include savings accounts, checking accounts, loans, mortgages, HELOC loans, and credit cards. The bank also provides business finance solutions for small companies across the Golden State.

As mentioned, CB&T is part of the larger Zions Bancorp family. The brand dates back to Zions Bank – the first state-chartered bank in Utah. Zions began expansion in 1985, purchasing Nevada State Bank. The development continued through the following years, with the bank now operating in Texas, Arizona, California, Idaho, Nevada, Colorado, Oregon, Utah, New Mexico, and Washington State.

Zions Bancorp Family of Banks

California Bank and Trust is just one part of the Zions Bancorp family of banks. Other members include:

Amegy Bank of Texas
Commerce Bank of Oregon
Commerce Bank of Washington
National Bank of Arizona
Nevada State Bank
Vectra Bank of Colorado
Zions Bank

CB&T Bank Branch Locations

CB&T Bank operates 102 branches throughout the State of California. The bank has four main administrative office locations:

Irvine
Los Angeles
Oakland
San Diego (Headquarters)

For a complete listing of current California Bank & Trust branch locations, plus hours of operation, contact numbers, and ATM locations, please check out the bank’s dedicated locations page.

FAQs About California Bank & Trust

Here are answers to commonly asked questions about CB&T:

Who owns California Bank & Trust?

CB&T is part of the Zions Bancorp family. That group includes other regional banks, like Amegy Bank, National Bank of Arizona, Nevada State Bank, and Zions Bank in Utah.

How do I contact California Bank & Trust customer service?

The number for customer service inquiries is (800) 400-6080.

What is the routing number for California Bank & Trust?

The routing number (ABA number) for CB&T depends on your location in the State of California:
- Northern California: 121002042
- Southern California: 122003396
- San Diego Area: 122232109

About California Bank & Trust

Zions Bancorp Family of Banks

CB&T Bank Branch Locations

FAQs About California Bank & Trust

Who owns California Bank & Trust?

How do I contact California Bank & Trust customer service?

What is the routing number for California Bank & Trust?

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