The Montecito Bank & Trust is a business credit card from Montecito Bank & Trust. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 17.24% to 27.24% variable after a 0.00% introductory rate for 12 months. Rewards: 3X Reward points on quarterly rewards categories and Charitable Giving. Cash back: 1 point per dollar is valued at $0.009 as cash back. Typical credit limit: Up to $50,000.