Exchange Bank of California Business Card

Key Takeaways

• 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 20 months.
• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 20 months.
• APRs: Exchange Bank of California Business Card has a variable regular purchase APR that ranges from 14.99% up to 23.99%.
• No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
• A 3% balance transfer fee. Exchange Bank of California Business Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 2% every time you make a transaction outside the U.S.
• Poor credit accepted. This card will consider people who have poor credit.

Pros & Cons of Exchange Bank of California Business Card

What are the relevant APRs?

What fees does it charge?

• There is no annual fee.
• A late payment penalty of up to $39 .
• A returned payment fee of $35.

Does it offer a cash back or rewards program?