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Personal

Personal Credit Card

Convenience. Purchase protection. Online card management. It all comes standard with an MB&T credit card.

A man's hand holding Montecito Bank and Trust personal credit card.

Credit Card Options

Whether you're looking to earn rewards on every purchase, or to build or rebuild your credit, we have the card for you!

Preferred Rewards

Get rewarded on everyday spending.

  •  No Annual Fee
  • 3x points on quarterly bonus categories and charitable contributions
  • Pay with Points with
Amazon and PayPal
Learn more
Classic Secured

Let’s take the first step to rebuilding your credit together.

  • No Annual Fee
  • Build your credit responsibly
  • Free credit monitoring
with Credit Pulse
Learn more
Preferred Rewards

Get rewarded on everyday spending.

  •  No Annual Fee
  • 3x points on quarterly bonus categories and charitable contributions
  • Pay with Points with
Amazon and PayPal
Learn more
Classic Secured

Let’s take the first step to rebuilding your credit together.

  • No Annual Fee
  • Build your credit responsibly
  • Free credit monitoring
with Credit Pulse
Learn more

More Benefits

Online Account Management

View transactions & statements, set up automatic payments, and redeem rewards points through our convenient online portal.

View the guide
Fraud Text Alerts

We will alert you of transactions that seem out of the ordinary so you can act quickly to protect your account if it's compromised.

Learn more
Digital Wallet Capability

Add your card to your phone's digital wallet and always have your card on hand. Just tap and pay with your phone!

Learn more
Online Account Management

View transactions & statements, set up automatic payments, and redeem rewards points through our convenient online portal.

View the guide
Fraud Text Alerts

We will alert you of transactions that seem out of the ordinary so you can act quickly to protect your account if it's compromised.

Learn more
Digital Wallet Capability

Add your card to your phone's digital wallet and always have your card on hand. Just tap and pay with your phone!

Learn more
MB&T CardControl Video Tutorial

CardControl

Located in the MB&T Mobile app, CardControl helps you control when, where, and how your card is used.

Learn more

Have any questions?

We're here to help.

Schedule an appointment ATM & branch locations Call us at (805) 963-7511

Additional Services

Ready to explore? Here are some more great options we think you'll love.

A laptop and a phone displaying the Montecito Bank and Trust CreditPulse
MB&T CreditPulse

With MB&T Credit Pulse, you can access your credit score and full credit report, receive monitoring alerts, and view insights that will help you improve your score.

Learn more
A woman holding an umbrella looking at her phone.
Ready Cash Reserve Overdraft Protection

It’s always good to have an umbrella for those rainy days. Our Ready Cash Reserve line of credit has you covered.

Learn more
A pen writing on a check.
Personal Checking Accounts

We've got the checking account you need, with the online access you want.

Learn more