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  Exchange Bank and Trust Visa® Business Card

Exchange Bank and Trust Visa® Business Card

in Business Credit Cards from Exchange Bank and Trust

Unaffiliated

Exchange Bank and Trust Visa® Business Card

Unaffiliated

in Business Credit Cards from Exchange Bank and Trust

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Highlights
Purchase APR  (Fixed APR) 10.17%
Balance Transfer APR  (Fixed APR) 10.17%
Credit Score Range 650 - 850
Annual Fee $29

Exchange Bank and Trust Visa® Business Card Review

Exchange Bank and Trust Visa® Business Card FAQ

Who is Exchange Bank and Trust Visa® Business Card designed for?

Exchange Bank and Trust Visa® Business Card is a credit card issued by Exchange Bank and Trust. 

This card is designed for businesses with fair credit. The minimum credit score to apply is 650.

What are the relevant APRs for Exchange Bank and Trust Visa® Business Card?

Exchange Bank and Trust Visa® Business 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 Exchange Bank and Trust Visa® Business Card have an introductory APR offer?

No, Exchange Bank and Trust Visa® Business Card does not come with an introductory APR offer for balance transfers.

Exchange Bank and Trust Visa® Business Card does not offer an introductory rate on new purchases.

Exchange Bank and Trust Visa® Business Card Rates & Terms
Purchase APR 10.17%
Balance Transfer APR 10.17%
Cash Advance APR 21%
Penalty APR 21%

What are the Exchange Bank and Trust Visa® Business Card fees?

The following fees apply to Exchange Bank and Trust Visa® Business Card:

  • An annual fee of $29.
  • A late payment penalty of up to $29.
  • A returned payment fee of up to $29.
  • An overlimit fee of $29.

Does Exchange Bank and Trust Visa® Business Card have a foreign transaction fee?

Exchange Bank and Trust Visa® 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 card at home and apply for one that doesn't charge a foreign transaction fee.

Exchange Bank and Trust Visa® Business Card Fees
Fees Amount
Annual Fee $29
Foreign Transaction Fee 3%
Returned Payment Fee up to $29
Late Payment Fee up to $29

Is there a Exchange Bank and Trust Visa® Business Card cash back or rewards program?

Exchange Bank and Trust Visa® Business Card offers a rewards program to its customers. This card offers rewards to businesses that use the card to make purchses in the following categories:

  • Every Purchase

Does Exchange Bank and Trust Visa® Business Card have a signup bonus?

Exchange Bank and Trust Visa® Business Card doesn't offer a cash signup bonus.

Does Exchange Bank and Trust Visa® Business Card offer an annual loyalty bonus?

Exchange Bank and Trust Visa® Business Card doesn't offer a cash loyalty bonus.

What are the Exchange Bank and Trust Visa® Business Card benefits?

Exchange Bank and Trust Visa® Business Card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

Does Exchange Bank and Trust Visa® Business Card report your account activity to credit bureaus?

Yes, Exchange Bank and Trust Visa® Business Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Exchange Bank and Trust Visa® Business Card

  • Visit the Exchange Bank and Trust .
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.
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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.

Feature Breakdown

Every Purchase (Points) 1
No Interest Grace Period for Late Payment 25 days
Annual Fee $29
Cash Advance Fee (%) 3%
Cash Advance Fee Minimum $10
Foreign Currency Transaction Fee 3%
Late Fee Amount Up to $29
Minimum Cash Advance Fee ($) $10
Over-Limit Fee $29
Returned Payment Fee Up to $29
Customer Type Business
Minimum Age 18
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Purchase Protection
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
Rewards Categories
  • Every Purchase
Balance Computation Average daily balance (including new transactions).
Cash Advance APR (Fixed APR) 21%
Penalty APR (Fixed APR) 21%
Purchase APR (Fixed APR) 10.17%
Balance Transfer APR (Fixed APR) 10.17%
Card Network Visa
Card Type
  • Rewards

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