Amazing Rate Business Credit Card — California Bank & Trust is a business credit card from California Bank & Trust. The annual fee is No annual fee. The ongoing APR is 14.00% variable APR after a Enjoy a 0% intro APR on purchases for the first 6 months. After that, a variable APR applies, currently 14.00%. introductory rate. Signup bonus: Earn a $1,000 statement credit bonus when you spend $5,000 in the first 120 days.