Preferred Rewards Card

Earn rewards with every purchase and redeem them the way that you choose. It’s that easy!

Montecito Bank and Trust Preferred Rewards credit card.

0% Introductory APR for one year on purchases and balance transfers!

0% Intro APR for one year following account opening. After that, 17.99% to 27.99% variable APR.

Apply now!

Rewards

Pay with Points

No Annual Fee

Digital Wallet Compatible

Bonus Reward Opportunities All Year Long!

We offer 3x reward points on Quarterly Bonus Categories PLUS 3x points on Donations and Charitable Giving¹! Here’s a sample of the reward opportunities that may be available throughout the year. These are subject to change at any time, but we will keep you posted on the variety of 3x reward point opportunities you will have with your Preferred Rewards card at the beginning of each new quarter.

Jan 1 - Mar 31
New Year Essentials

Gas Groceries²

Apr 1 - Jun 30
Dining Out

Restaurants,
Bars & Wineries³

Jul 1 - Sept 30
The Necessities

Utilities
Subscription Services⁴

Oct 1 - Dec 31
Away for the Holidays

Rideshares
Airline Tickets
Lodging⁵

The Details

Available exclusively to Montecito Bank & Trust clients.

Eligibility	Available exclusively to Montecito Bank & Trust clients.
Annual Fee	No Annual Fee
Rewards⁶	3X Reward points on quarterly rewards categories and Charitable Giving 1X Points on all other purchases Pay with Points eligible through PayPal and Amazon. Learn more
Annual Percentage Rate (APR) for Purchases	0.00% Introductory APR for purchases for one year following the opening of your account. After that, APR will be 17.99% to 27.99%, based on creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers	0.00% Introductory APR for balance transfers for one year following the opening of your account. After that, APR will be 17.99% to 27.99%, based on creditworthiness. This APR will vary with the market based on the Prime Rate. A 3% fee (minimum $5) applies to all balance transfers.
APR for Cash Advances	27.99% APR for cash advances. This APR will vary with the market based on the Prime Rate. A 4% fee (minimum $10) applies to all cash advances.
Credit Limit	Up to $50,000⁷
Foreign Currency Fee	3% of the transaction amount in US dollars.
Additional Features	Online Account Access: Enjoy more control and conveniently manage your card accounts 24/7 by logging into our credit card portal to: View transactions and statements Set alert notifications Make one-time or recurring payments Enroll in eStatements

Apply now Pricing & contract FAQ

Charitable and Social Organizations are defined as non-political fund-raising organizations engaged in soliciting charitable donations/contributions on behalf of organizations engaged in social welfare services, or social service organizations engaged in social welfare services. This Merchant Category Code (MCC) also includes crowd funding merchants that accept donations on behalf of individuals raising money for various causes without receiving any perceived or actual financial benefit for doing so.
The New Year Essentials reward categories include service stations, automated fuel dispensers, grocery stores, and supermarkets.
Dining Out reward categories include restaurants, bars and wineries.
The Necessities reward categories include Utilities (electric, gas, water, sanitary), Telecommunication Services (cell phone, land-line), Cable, Satellite, and other pay Television/Radio/Streaming Services, Internet Providers, and Computer Network/Information Services.
The Away for the Holidays reward categories include ride shares, airline tickets, and lodging.
3x points per dollar per transaction up to $5,000 on bonus rewards categories. 1x point per dollar will be applied to the remaining amount of the transaction.
Based on credit worthiness.

Reward Details

How do I enroll?	Enrollment is automatic, you earn points starting from your first purchase.
How do I earn rewards?	Each $1 spent on purchases will earn 1 point. Each point is valued at $0.009 as cash back.
Is there a limit to how many points I can earn?	There is no limit to the number of points you can earn with your Preferred Rewards card.
What happens if I spend more than $5,000 on a qualifying bonus rewards transaction?	You will receive 3x points per dollar on up to $5,000 on a qualifying bonus rewards transaction. 1x point per dollar will be applied to the remaining amount of the transaction.
Where can I see the points I earned?	The total number of points will display on your monthly account statements and in the uChoose rewards portal.
How do I access the uChoose rewards portal?	You can access the uChoose rewards portal by logging into the MB&T Credit Card portal and clicking the uChoose logo.
How do I redeem points?	To redeem your points, log into the MB&T Credit Card portal and click the uChoose logo. Rewards must be redeemed online.
How can I use my reward points to donate to a nonprofit?	There are two ways to donate. In uChoose, you can select Gift Cards – Charitable Organizations to redeem for a gift card to Charity Choice. Alternatively, you can purchase a merchant gift card to donate to the nonprofit of your choice directly. Additional information about Charity Choice Gift Cards: Not redeemable for cash or merchandise. Never expires. CharityChoice Gift Cards is a project of Special Kids Fund (501c3, EIN 58-2550249). Funds are distributed to each of the designated charities in one payment, as a bulk allocation, quarterly. Keep confirmation of your charity designation and verification of your order from your rewards program for your records. Ask your tax advisor as to your eligibility for a tax deduction. Special Kids Fund receives a modest 10% admin fee which is deducted prior to the quarterly allocation of the funds to the charities. CharityChoice Donation Cards offer the same value as comparable merchant gift cards and can be ordered for a similar number of points per dollar.
Do my rewards expire?	uChoose rewards points expire 3 years after they are awarded.
When are my reward points rewarded?	uChoose reward points accrued during the month are awarded on the first of the following month. Promotional reward points will be awarded on the day the transaction is completed.
What doesn’t count towards the point total?	Balance Transfers and Cash Advances, either through an ATM or over the counter, do not add to the point total.