PERSONAL
CREDIT CARDS

Your card. Your rewards.

CHOOSE THE CARD THAT’S RIGHT FOR YOU.

With a Banc of California personal credit card, clients can choose from:

  • Points redeemable for cash back, travel rewards, and more
  • A longer introductory rate
  • The opportunity to build your credit history

Whatever your goals, we have the card that’s right for you.

CONSULT WITH A RELATIONSHIP MANAGER

Banc of California clients can learn more and apply by logging into
Online Banking and clicking “Credit Cards.”

LOGIN TO YOUR ACCOUNT

 

*If you’re not currently enrolled in Online Banking, you can do so by clicking here and providing your account information
or contact Client Services for assistance at 877-770-2262 or ClientServices@bancofcal.com.

Personal Credit Card

FLEXIBLE CASH REWARDS

World Mastercard® Max Cash Preferred Card

  • 5% cash back on the first $2,000 of combined quarterly purchases in two categories like: TV, Internet, & Streaming Services, Home Utilities, Cell Phone Providers and more!5
  • 2% unlimited cash back on choice of one everyday category like Gas Stations & Ground Transportation, Restaurants & Food Delivery and Grocery Stores & Grocery Delivery
  • 1% unlimited cash back on all other eligible purchases
  • Redeem Cash Back for a Statement Credit, Rewards Card, or a Deposit to a Qualifying Account4
  • $150 bonus awarded after you spend $500 within first 90 days of account opening cash back awarded after first purchase

Personal Credit Card

REWARDS TO USE THE WAY YOU WANT3

World Mastercard® Everyday Rewards+ Card

  • 4X points on dining, take-out and food delivery2
  • 2X points at grocery stores, grocery delivery, gas stations and streaming services
  • 1X points on all other eligible spend
  • Redeem points for travel, cash back and more
  • No cap or limit on the number of points you can earn
  • Earn 15,000 bonus points (a $150 value) when you spend $500 within the first 90 days3

Personal Credit Card

PAY DOWN BALANCES

Mastercard® Platinum Card

  • Pay down your other credit card balances faster with a great low introductory rate for an extended time
  • Save on interest
  • Non-Reward

Personal Credit Card

BUILD YOUR CREDIT

World Mastercard® College Real Rewards Card

  • Earn 1.5 points monthly for every dollar you spend on eligible net purchases7
  • No cap or limit on the points you can earn, plus you have five years to redeem points for rewards1
  • 2,500 bonus rewards points awarded after first purchase4, redeemable for $25 cash back, merchandise, gift cards or travel savings.

Personal Credit Card

Mastercard® Max Cash Secured Card

  • If you need to improve or re-establish your credit history8, enjoy the convenience of credit while earning interest on your secured savings account
  • Earn 5% cash back9 on two categories you choose—first combined $2,000 spent each quarter10
  • 2% unlimited cash back on one everyday category of your choice
  • 1% unlimited cash back on all other eligible purchases

Personal Credit Card

Mastercard® Secured Card

  • Provides an excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card. If you need to improve or re-establish your credit history8, here’s a great way to begin that process.
  • Enjoy the convenience of credit, including the option to carry a balance.
  • Earn interest on the money in your secured savings account.

*By clicking this link, you will be redirected to our card partner, Elan Financial Services. Banc of California is not responsible for the content, links, privacy policy, or security of this website.

1The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem rewards, and you will immediately lose all of your rewards, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

2Everyday Rewards+ Card: You will earn 1 Point for every dollar in eligible net purchases charged to your Account during each billing cycle. In addition, you will earn additional Points for the following: You will earn 3 additional Points for every dollar in eligible net purchases during each billing cycle at merchants classified as a restaurant, fast-food restaurant or bar. You will earn 1 additional Point for every dollar in eligible net purchases during each billing cycle at merchants classified as gas station, grocery store, supermarket or qualifying streaming subscription service. Refer to program rules for official list of qualifying streaming services merchants. Purchases at or delivery from discount/retail stores that sell groceries may not qualify for the grocery store or grocery delivery category. Purchases qualify for Points based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. Points expire five years from the end of the quarter in which they are earned.

3 If you’re approved for a new Everyday Rewards+ Card, one-time 15,000 bonus points will be awarded after eligible net purchases totaling $500 or more are made to your account within 90 days from account opening. Please allow 6-8 weeks after you have met the spend requirement for your bonus to be credited to your rewards balance.

4 Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only, which will be deposited within seven business days, or as a statement credit to your credit card account, which will be deposited within one to two billing cycles or as a Rewards Card ($25 minimum redemption).

5 Max Cash Preferred Card: Cardmember must initially enroll into categories of their choice, or all net purchases will earn no more than 1% cash back. Categories are subject to change. You will earn 5% cash back on your first $2,000 in combined net purchases each calendar quarter in your two chosen 5% categories and unlimited cash back in your 2% category. All other net purchases earn 1% cash back. Transactions qualify for 5% or 2% cash back based on how
merchants classify the transaction. Upon approval, full details will be provided in your Cardmember Agreement. Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, which will be deposited within seven business days, or as a statement credit to your credit card account, which will be deposited within one to two billing cycles or as a Rewards Card ($25 minimum redemption). Cash rewards do not expire as long as the account remains active. If there is no reward, purchase, or balance activity on your account for 12 statement cycles, your cash rewards balance will expire.

6 If you’re approved for a new Max Cash Preferred Card, one-time $150 bonus will be awarded for redemption after eligible net purchases totaling $500 or more are made to your account within 90 days from account opening. Please allow 6-8 weeks after you have met the spend requirement for your bonus to be credited to your rewards balance.

7 You will earn 1.5 Reward Points for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back).

8Late payments and going over the credit limit may damage your credit history.
The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard Internationa Incorporated.

9Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, which will be deposited within seven business days, or as a statement credit to your credit card account, which will be deposited within one to two billing cycles are as a Rewards Card ($25 minimum redemption).

10Cardmember must initially enroll into categories of their choice, or all net purchases will earn no more than 1% cash back. Categories are subject to change. You will earn 5% cash back on your first $2,000 in combined net purchases each calendar quarter in your two chosen 5% categories and unlimited cash back in your 2% category. All other net purchases earn 1% cash back. Transactions qualify for 5% or 2% cash back based on how merchants classify the transaction. Upon approval, full details will be provided in your Cardmember Agreement. Cash rewards do not expire as long as the account remains active. If there is no reward, purchase, or balance activity on your account for 12 statement cycles, your cash rewards balance will expire.