California Bank & Trust Vivid Rewards
The California Bank & Trust Vivid Rewards from California Bank & Trust earns up to 3% effective value on dining in Madeen's catalog snapshot. It has no annual fee. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 3%
- Annual fee
- $0
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the California Bank & Trust Vivid Rewards earn in each category?
Dining is the strongest category at 3% effective value (3x points at about 1 cents each). That dining rate ranks higher than about 66% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 3% effective value (3x points at about 1 cents each). That dining rate ranks higher than about 66% of the 1,547 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3x points | 3% Top category |
| Grocery Supermarkets and grocery stores | 1x points | 1% |
| Gas Gas stations and fuel | 3x points | 3% |
| Travel Flights, hotels, transit | 3x points | 3% |
| Other General everyday spend | 3x points | 3% |
Madeen values California Bank & Trust Points at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the California Bank & Trust Vivid Rewards?
The California Bank & Trust Vivid Rewards fits spenders who put meaningful volume in dining and can earn 3x points. Best for spenders who put meaningful volume in dining and can earn 3x points. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
California Bank & Trust Vivid Rewards fits spenders who put meaningful volume in dining and can earn 3x points. Madeen ranks its dining effective rate higher than about 66% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 3x points.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 3% effective (3x points).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- California Bank & Trust Points value depends on how you redeem, not straight cash back.
Does the California Bank & Trust Vivid Rewards have an annual fee, and what's the welcome bonus?
The California Bank & Trust Vivid Rewards has an annual fee of $0 and a foreign transaction fee of None. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the California Bank & Trust Vivid Rewards?
The California Bank & Trust Vivid Rewards includes Auto Rental Collision Damage Waiver, Booking.com, Cell Phone Protection in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Auto Rental Collision Damage Waiver
Car Rental Collision Damage Waiver may protect you if your rental car is damaged from an accident or theft.
- Booking.comIncluded with Visa Traditional
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
- Cell Phone Protection
Cell Phone Protection may provide reimbursement for your stolen or damaged cell phone when you pay your wireless phone bill with your card.
- Dovly Uplift™Included with Visa Traditional
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
- Lost Luggage Assistance
When you use your covered Card to purchase an airline or common carrier ticket, you can be eligible to receive reimbursement for your checked luggage or carry-on baggage and their contents in the event of theft or misdirection up to $3,000 per trip ($2,000 maximum if resident of New York). This coverage applies to travel by air, ferry, cruise ship, train, or bus.
- OpenTableIncluded with Visa Traditional
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
- Roadside Dispatch®Included with Visa Traditional
This is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
- Sofar SoundsIncluded with Visa Traditional
Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Common questions about the California Bank & Trust Vivid Rewards
Does the California Bank & Trust Vivid Rewards have an annual fee?
The California Bank & Trust Vivid Rewards carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the California Bank & Trust Vivid Rewards?
Dining is the strongest Madeen category for the California Bank & Trust Vivid Rewards at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the California Bank & Trust Vivid Rewards charge foreign transaction fees?
The California Bank & Trust Vivid Rewards does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the California Bank & Trust Vivid Rewards?
Madeen's catalog lists a typical credit range of Good to Excellent for the California Bank & Trust Vivid Rewards. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the California Bank & Trust Vivid Rewards?
Rewards on the California Bank & Trust Vivid Rewards post as California Bank & Trust Points. Redemption value depends on how you use California Bank & Trust Points (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How do I maximize rewards on the California Bank & Trust Vivid Rewards?
To maximize the California Bank & Trust Vivid Rewards, route dining and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout—no bank login required. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the California Bank & Trust Vivid Rewards compare to similar cards?
Compare the California Bank & Trust Vivid Rewards against California Bank & Trust Elite (3% on Dining, $195 fee); California Bank & Trust Reserve (3% on Dining, $450 fee); California Bank & Trust Premier (1.5% on Dining, $95 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
California Bank & Trust Vivid Rewards This card | Dining | 3% | $0 |
California Bank & Trust | Dining | 3% | $195 |
California Bank & Trust | Dining | 3% | $450 |
California Bank & Trust | Dining | 1.5% | $95 |
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