Bank · FDIC insured
Montecito Bank & Trust Credit Card Rates
Montecito Bank & Trust credit card rates start at 17.24% APR. Rates checked October 16, 2026.
How Montecito Bank & Trust’s credit card rates compare
Compared with banks and credit unions near Santa Maria, CA, where Montecito Bank & Trust has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
Montecito Bank & Trust
– –
- Annual fee
- —
- Up to
- —
No ongoing APR published
Lowest rate
Santa Barbara Teachers FCU
9.00%APR
- Annual fee
- $5
- Up to
- —
2nd-lowest rate
CoastHills Credit Union
9.24%APR
- Annual fee
- None
- Up to
- 16.74% APR
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Classic Secured Credit Card
Secured credit card requiring a security deposit equal to the credit line ($500 to $5,000).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.24% | None | Variable APR for purchases based on the Prime Rate. Credit limit ranges from $500 to $5,000 secured by an equal deposit. |
| Ongoing | 22.24% | None | Variable APR for cash advances based on the Prime Rate. A 4% fee (minimum $10) applies to all cash advances. Credit limit ranges from $500 to $5,000 secured by an equal deposit. |
Sources (2)
All captured Oct 16, 2026
Preferred Rewards Credit Card
Available exclusively to Montecito Bank & Trust clients.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0.00% introductory APR for purchases for one year following the opening of your account. |
| Ongoing | 17.24%–27.24% | None | Variable APR for purchases based on creditworthiness; varies with the market based on the Prime Rate after the introductory period. |
| Ongoing | 27.24% | None | Variable APR for cash advances; varies with the market based on the Prime Rate. A 4% fee (minimum $10) applies to all cash advances. |
Sources (2)
All captured Oct 16, 2026
Visa Signature Reserve Card
Available exclusively to Montecito Bank & Trust clients.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 19.49%–27.49% | $295 | Variable APR for purchases based on creditworthiness; varies with the market based on the Prime Rate. Credit limit up to $50,000. |
| Ongoing | 27.49% | $295 | Variable APR for cash advances; varies with the market based on the Prime Rate. A 4% fee (minimum $10) applies to all cash advances. |
Sources (2)
All captured Oct 16, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.