Last Updated: 04/18/2025
Exchange Bank and Trust Visa® Business Card
Unaffiliated
Last Updated: 04/18/2025
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Highlights
Purchase APR (Fixed APR)
10.17%(Verified 06/21/2024)
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Balance Transfer APR (Fixed APR)
10.17%(Verified 06/21/2024)
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Annual Fee
$29
Credit Score Range
650 - 850
Exchange Bank and Trust Visa® Business Card Review
This is a rewards card issued by Exchange Bank and Trust. If you're wondering whether Exchange Bank and Trust Visa® Business Card is the right card for you, read on.
Key Takeaways
- APRs: Exchange Bank and Trust Visa® Business Card has a fixed purchase APR of 10.17%
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Multiple business credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Exchange Bank and Trust Visa® Business Card
| The Good | The Bad |
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What are the relevant APRs?
This business credit card has a fixed purchase APR of 10.17%. The card has a fixed balance transfer APR of 10.17% .
It also has a fixed cash advance APR of 21%. Note that late payments are subject to an APR of 21% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does it have an introductory APR offer?
No, this business card does not come with an introductory APR offer for balance transfers.
This business card does not offer an introductory rate on new purchases.| Purchase APR | 10.17% |
| Balance Transfer APR | 10.17% |
| Cash Advance APR | 21% |
| Penalty APR | 21% |
What fees does it charge?
The following fees apply to this business credit card:
- An annual fee of $29 .
- A late payment penalty of up to $29 .
- A returned payment fee of up to $29.
Does it charge a foreign transaction fee?
This business card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this business card at home and apply for one that doesn't charge a foreign transaction fee.
| Fees | Amount |
| Annual Fee | $29 |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | up to $29 |
| Late Payment Fee | up to $29 |
Does it offer a cash back or rewards program?
Yes, Exchange Bank and Trust Visa® Business Card offers a rewards program to its customers.
This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories | Every Purchase | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Type | Points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Reward Rates | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Every Purchase
Does it have a sign up bonus?
This business credit card doesn't offer a cash signup bonus.
Does it offer an annual loyalty bonus?
This business card doesn't offer a cash loyalty bonus.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Exchange Bank and Trust Visa® Business Card
Hours of Operation
Sunday
Closed
Monday
8:00AM - 5:00PM
Tuesday
8:00AM - 5:00PM
Wednesday
8:00AM - 5:00PM
Thursday
8:00AM - 5:00PM
Friday
8:00AM - 5:00PM
Saturday
Closed