Reserve Credit Card — California Bank & Trust is a personal credit card from California Bank & Trust. The annual fee is $450 + $50 for each additional card user. The ongoing APR is Variable APR from 17.99% - 27.99% based on a margin and your credit worthiness. Signup bonus: Receive a $500 introductory bonus or 50,000 bonus points when you spend $5,000 in the first 90 days. Rewards: Earn 3X points on all travel and dining purchases Earn 2X points on everything else.