Visa Signature Reserve Card

Earn 50,000 welcome rewards points when you spend $4,000 in the first 90 days

Redeem your rewards to do more of what you want. Pay with points, book travel, get gift cards, redeem for cash back. The choice is yours!

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Rewards

Pay with Points

Digital Wallet Compatible

Visa Signature Benefits

Cellphone, Purchase and Return Protection

The items you buy with your card may be protected by Visa's Signature protection benefits. For instance, your cell phone is protected if you make your monthly cellular wireless phone bill payment with your card.

View the Guide to Benefits

Travel and Emergency Assistance Benefits

When you purchase travel with your Visa Signature card, you're protected from trip cancellation and delays, emergency coverage, hotel theft, lost luggage reimbursement, ride share protection and more.

View the Guide to Benefits

Visa Signature Luxury Hotel Collection

Enjoy special guest status at 900+ Visa Signature Luxury Hotel properties worldwide. Benefits include Best Available Rate guaranteed, automatic room upgrade (if available), $25 food and beverage credit, continental breakfast daily, VIP guest status, complimentary in room Wi-Fi, and 3pm checkout upon request (if available)

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Visa Signature Rental Car Privileges

Book your next road trip with your Visa Signature card to receive up to 25% off base rates on qualifying rentals from Avis and Budget. Your card can also unlock complimentary upgrades (when available), waived Additional Driver Fee and 10% saving on XM Satellite radio during rental. Terms and conditions apply.

Learn more and book at Avis Learn more and book at Budget

Staying connected with GigSky

Eligible Visa cardholders can now use the GigSky app to access complimentary or discounted global mobile data, in 175+ countries and destinations worldwide as well as on over 200 of the world's top cruise ships.

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Universal Studios Savings

Save 10% when you purchase Universal Studios Hollywood's 2-Day General Admission tickets using your Visa Signature's credit card.

Buy tickets View terms

Visa Signature Concierge

A complimentary, personal assistance service awaits Visa Signature cardholders 24/7 at (800) 953-7392 or (630) 250-4551 (outside of the USA). Concierges will do their best to assist you with all types of travel, dining, and entertainment requests. Most tasks are completed within 24 to 48 hours.

See terms

The Details

Available exclusively to Montecito Bank & Trust clients.

Eligibility	Available exclusively to Montecito Bank & Trust clients.
Annual Fee	$295
Rewards	5X Reward points on Charitable Giving¹ 3X Points on all other purchases Pay with Points eligible through PayPal and Amazon. Learn more
Annual Percentage Rate (APR) for Purchases	19.49% to 27.49%, based on creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers	19.49% to 27.49%, 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	27.49% 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 $50,000²
Foreign Currency Fee	There is no foreign transaction fee.
Additional Features	Online Account Access: Enjoy more control and conveniently manage your card accounts 24/7 by logging into MB&T Online or Mobile Banking View transactions and statements View and redeem rewards Make one-time or recurring payments Set alert notifications Enroll in eStatements

Apply now Pricing & Contract Guide to Visa Signature Benefits

5x points per dollar for qualified charitable donation transactions up to $5,000. 3x point per dollar will be applied to the remaining amount of the transaction. 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.
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 3 points. 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 Visa Signature Reserve card.
What happens if I spend more than $5,000 on a qualifying charitable giving transaction?	You will receive 5x points per dollar for qualified charitable donation transactions up to $5,000. 3x 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?	To access the uChoose Rewards portal, go to Cards in Personal Online Banking or the MB&T Mobile App and select Rewards from the menu under your card.
How do I redeem points?	To redeem your points, go to Cards in Personal Online Banking or the MB&T Mobile App and select Rewards from the menu under your card. 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.
Questions?	If you have any questions, please call our uChoose program support line at 800-390-6739