California Bank & Trust Credit Cards

California Bank & Trust (CB&T) is a leading California bank, with over 100 branches across the state. CB&T is part of Zion Bancorp and has its headquarters in San Diego, California. The bank offers a variety of business and personal credit cards from everyday use, including low rate and rewards cards. Browse a selection of credit card offers below.

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California Bank & Trust AmaZing Low Rate Visa® Card

California Bank & Trust AmaZing Low Rate Visa® Card
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N/A Processing Network
None Annual Fee

California Bank & Trust AmaZing Low Rate Visa® Card

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  • 9.74% to 15.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 9.74% to 15.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 19.24% variable based on the Prime Rate Cash Advance APR
  • 0% for 6 months from account opening date Intro Purchase APR
  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 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
  • 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 transactio
  • Late Payment Penalty Fee: Up to $10
  • Return Payment Penalty Fee: Up to $25
  • N/A
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California Bank & Trust AmaZing Cash Visa® Card

California Bank & Trust AmaZing Cash Visa® Card
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N/A Processing Network
None Annual Fee

California Bank & Trust AmaZing Cash Visa® Card

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  • 11.24% to 18.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 11.24% to 18.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 19.24% variable based on the Prime Rate Cash Advance APR
  • 0% for the first 6 months Intro Purchase APR
  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 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
  • 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 transactio
  • Late Payment Penalty Fee: Up to $10
  • Return Payment Penalty Fee: Up to $25
  • N/A
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California Bank & Trust AmaZing Rewards Visa® Card

California Bank & Trust AmaZing Rewards Visa® Card
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N/A Processing Network
None Annual Fee

California Bank & Trust AmaZing Rewards Visa® Card

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  • 11.24% to 18.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 11.24% to 18.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 19.24% variable based on the Prime Rate Cash Advance APR
  • 0% for for 6 months from account opening date Intro Purchase APR
  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • 0% introductory APR on purchases and balance transfers
  • Unlimited 1x points on all purchases
  • Access to further rewards through AmaZing Deals
  • 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
  • N/A
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California Bank & Trust Premier Visa® Card

California Bank & Trust Premier Visa® Card
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BestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Credit Needed: Excellent/ Good
Visa Processing Network
$0 for the first year; $95 after that Annual Fee

California Bank & Trust Premier Visa® Card

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  • 19.24% to 27.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 19.24% to 29.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 28.24% to 29.24% variable based on the Prime Rate Cash Advance APR

At a Glance

The California Bank & Trust Premier Visa® Card is a premium travel rewards card that offers no annual fee for the first year and an enticing introductory bonus. The card earns solid rewards points on every purchase and benefits from no foreign transaction fees and Visa Signature perks worldwide.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 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
  • Regular Purchase APR: 19.24% to 27.24% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 6 months from account opening date
  • Balance Transfer APR: 19.24% to 29.24% 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: 28.24% to 29.24% 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
  • You’re an existing Zions Bancorp customer and are planning on moving to California
  • You spend heavily on travel
  • You have a current balance you need to pay down at a lower interest rate
  • You don’t want to pay a foreign transaction fee
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California Bank & Trust Elite Visa® Card

California Bank & Trust Elite Visa® Card
Visit Card Site Terms & Conditions
BestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Credit Needed: Excellent/ Good
Visa Processing Network
$195 Annual Fee

California Bank & Trust Elite Visa® Card

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  • 19.24% to 27.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 19.24% to 29.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 28.24% to 29.24% variable based on the Prime Rate Cash Advance APR

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.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 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
  • Regular Purchase APR: 19.24% to 27.24% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 6 months from account opening date
  • Balance Transfer APR: 19.24% to 29.24% 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: 28.24% to 29.24% 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
  • 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
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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:

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:

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

Find the Best Card for You

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BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.