Exchange Bank and Trust Visa® Business Card Review

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.

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.

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

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.